vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: AL

Complaint narrative:
This is a complaint against timeshare XXXX by XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it because the resale value would go up. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card for me but I was never properly educated of the fees involved. They have our ID during this process. Everything was rushed especially when they didn't even gave me enough time to read through the contract and understand it's contents so I can be fully aware of the details of the agreement. They didn't even give me a copy of the contract. I didn't know how to cancel, I was never even properly educated of it like how many days to cancel and such. I was XXXX at the time and I feel like my age was taken advantage of. I have medical conditions such as XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX of the XXXX, XXXX XXXX etc & having this timeshare just doesn't help, it just gives me financial difficulties and negatively affecting my credit scores. I experienced emotional, verbal & financial stress, it caused my wife to have to take medications which caused more medical conditions as we were both not working, plus they will keep calling for payments. This timeshare just causes us stress plus the current problems and issues we have due to Covid, it just makes our situation worse. We tried to get out of the contract but we were not given any options as to how to get out of it. They called on several occasions in attempts to collect money during Covid with threats to file against us. I made them aware that I was not working and they were not compassionate in their effort to coerce me in to making any type of payment. It was too late when they informed me that I could have requested release and given a number to contact. However, after several attempts, I never had any success in making contact with the number given. I called them again, where they informed me that the account had been suspended but it is showing on my credit report as a repossession. The pressure when I spoke to them, not allowing me to read the contract, telling me we'll lose out on the deal if we wait. All we got is being stressed out ever since we had this timeshare. I was simply defrauded, lied to & taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
When flying Frontier Airlines, they are offering a credit card with bonus miles. The offer was positioned as getting 60,000 bonus miles when you apply for a credit card with Barclays. Once you use the card for the first time, for any amount, you get the {$60000.00} bonus miles. When I received the card, I already had a balance of {$79.00}. It was an annual fee. This was not disclosed when the credit card offer was pitched to me. When I called Barclays to dispute, they said that in order to get 40,000 miles, I had to pay the annual fee and I had to spend an additional {$1500.00} to get the other 20,000 miles. Frontier and Barclays are pitching this offer in order to get people to apply for the card and misleading applicants in the process. You get pitched with " apply for the card, use it ONE time on any size purchase and get 60,000 bonus miles ''. But the reality is you get hit with an annual fee of {$79.00} upfront, you get 40,000 bonus miles and you have to spend another {$1500.00} in 6 months to get the other 20,000 miles. This is a misleading and predatory practice and should be investigated by the CFPB.

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 2021-10-07 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/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. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported a fraudulent transaction in the amount of {$650.00} on my debit card dated XX/XX/2021 associated with my Bank of America checking account ending with XXXX. However, Bank of America refused to credit me because they claim it does not fall into their fraudulent transaction guideline. I, therefore requested Bank fo America to provide to me the phone number or any contact information of this merchant so I could contact the merchant directly. Since Bank of America refused to do its job I want to find out exactly what has happened as I have never purchased anything or received anything from this merchant. As it shows on my bank statement, the merchant is " XXXX XXXX XXXX in XXXX Colorado ''. However, Bank of American could not provide any phone number, website or contact information for this supposedly one of the largest sports goods business. When I asked for it the Bank of America representative said she said she did not have it but can google it. So obviously Bank of America did not do any investigation on this transaction. The merchant is highly likely to be a fake business using the name of XXXX XXXX. I am frustrated and infuriated by Bank of America 's illegal reaction to my fraudulent claim. So far Bank of America could provide no proof of this being a legitimate transaction, no merchant information other than a name, no website, no address, no phone number, nor order number, merchandise ordered.

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 2021-10-07 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: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
There is an invalid debt collection from Receivables Performance appearing on my credit report. 

My contract was up with XXXX, so I went to a XXXX store to get an inquiry on an account with XXXX for a phone replacement and possible service. After receiving the quote, I spoke with XXXX to cancel my existing service. On this call, XXXX made a better offer so I decided to stay with XXXX. I never activated the XXXX or account nor did I get a phone with them that day, but I notified them anyways that I wasn't going to be switching carriers, and I thought it was done. Approximately a month later, and to my surprise I received a bill in the mail from XXXX with my middle and last name. This account showed that it had not been used at all, there was no device activated and in the 30 days the account was activated, no phone calls or text messages were sent, nothing. At that moment I called XXXX and explained the situation, the representative assured me that she would delete the account. 30 days later I received a second bill with the unpaid balance and a new bill for the current month! At that point I went into the XXXX store to speak to the manager, he reassured me again that he would take care of it, but never did. Then, I see a collection pop on my credit reports regarding this invalid debt. This account was opened without my consent, even after I notified XXXX I was not going with their service, and now its hurting my credit. I was well within my right of recision for cellular service, I never activated a device or service. It was obviously an error on their part and I demand this collection be removed FULLY from my reports.

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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on EOS CCA ( Original Creditor : 10 XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Reference : XXXX previous complaint against PNC Bank I just received notification that PNC Bank needs more time to investigate this complaint. 
As I stated before, no warning was given, and I had less than 30 days, after receiving numerous letters concerning closures of all my accounts. I don't accept PNC 's delay of needing mire time to resolve the problem. 

Update : Item 1 ) My Fico Scores with PNC were kept very low of {$800.00} for several months, while I had outstanding accounts and no late payments. While another Bank, where I only had a Credit Card, its Fico Score was XXXX. 

Item 2 ) I was not offered Disputes several times. Item 2a ) P
NC 's Executive Office interfered, trying to cancel my Credit Card and mail me a new one within 5 ( five days ). Since pending purchases, I didn't accept their offer, but took care of the dispute myself within 2 ( two ) hours.

Item 2b ) XXXX XXXX debited my Credit Account by mistake, however, deleted the charge a couple of hours later. Informed a Ms. XXXX about the error, however, she told me that the " merchant had been paid '', and the " charge '' was obviously passed on as as the charge. 
Item 2c ) I also made Ms.XXXX aware of a mistake in her letter, and I was assured that a corrected letter was to be sent to me. As today, XX/XX/XXXX, I never received this promised and corrected letter. 

New Item of complaint : Item 3 ) I have been unable to log on to PNC Bank lately, trying to retrieve payments made and being considered as deductions for Income Tax purposes, which I would require to file at the beginning of XXXX for the current year of XXXX. 

Summary : PNC Bank failed numerous times by making mistakes and shortcomings, which I have given its Customer Service including its Corporate Office, and I felt very offended, the way I had been treated with the " thanks for your help '' and closing all of accounts in good standing. 
Giving me the less than 30 days I had ( due to the postal delivery ), I do expect PNC not to give them more time ( 60 days ) to complete its 'investigation ''. 

submitted by XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

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 2021-10-07 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: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: IL

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TX

Complaint narrative:
An UNAUTHORIZED INQUIRY was made on my XXXX account on Thursday, XXXX XXXX, 2021 by Chase Bank. I DID NOT authorize Chase Bank to do an inquiry on this date. I did authorized a one-time inquiry on Wednesday, XX/XX/2021 for a credit line increase on the credit card stated above and it was granted. This was the ONLY time I contacted Chase Bank and authorized an inquiry, which was on Wednesday, XX/XX/2021. There was NO ADDITONAL REQUEST MADE OR AUTHORIZED BEFORE OR AFTER THIS DATE BY ME FOR ANOTHER INQUIRY. I called the same day as the initial request, Wednesday XX/XX/2021 and asked if the amount could be increased, which Chase told me IT COULD NOT and it would only be considered if I authorized another inquiry, WHICH I DID NOT AND MADE IT CLEAR VERBALLY THAT I DID NOT AND WOULD NOT AUTHORIZE ANOTHER INQUIRY so that ended my communication with Chase Bank that day Wednesday XX/XX/2021. I never contacted nor authorized Chase to make a new inquiry on XX/XX/2021. This new inquiry made by Chase Bank on Thursday, XX/XX/2021 needs to be REMOVED FROM MY REPORT AND MY SCORE NEEDS TO BE AMENDED IF IT WAS AFFECTED NEGATIVELY BY THIS UNAUTHORIZED INQUIRY. I have attached a copy of my XXXX report with the alert of the inquiry I requested on Wednesday, XX/XX/2021 and the new unauthorized inquiry Chase made WITHOUT MY CONSENT on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX and Experian committed these following violations below 18 USC 1341-Frauds & Swindles 15 USC 1681m-Requirements on users of consumer rights 15 USC 1681q-obtaining information under false pretenses 15 USC 1681d-disclosure of investigative consumer reports 12 USC 5512-Rule making authority 15 USC 1637-opened consumer credit plans 15 USC 1666a- Regulations of credit reports ( Consumers have a 100 % right to privacy ) 26 USC 6304- Fair tax collection practices 15 USC 1692- communication in connection with debt collection Question why are debt collectors attempting to communicate with me?

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 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase Wallet made an unauthorized transaction to an unknown wallet on XX/XX/2021. 
They transferred XXXX XXXX ( XXXX ) resulting in a loss of over {$2400.00}. 

I submitted a claim and the company wrote back saying the wallet is compromised and there is nothing they can do. They suggested changing to a new wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
This has to do with a timeshare we notified XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 to stop doing auto pay, XXXX XXXX we removed our profile information along with our Master Card ( XXXX  ) this is their Credit Card. We notified the credit card company to not accept any charges from XXXX and to put a security lock on the account. we had a lock on the account and the charges were still going through. 
Chase XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. 
Chase notified XXXX XXXX to stop charging our credit card on XXXX XXXX. 
In XXXX we sent registered mail the paperwork they sent. 
On XX/XX/2021 we mailed them paperwork regarding the dispute for XXXX charges. We called to follow up on the paperwork they claimed they never received it we didn't send this registered mail. They suggested we wend the file from a chase bank by fax which we did. they removed the charges. they have since put them back on.we called Chase dispute again and were told you signed a contract they have the right to bill your Credit Card. Please send the file again we are being billed by XXXX XXXX for the charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The dispute is about the unauthorized transaction in the amount of {$590.00} that got deducted from my debit card at XXXXXXXX XXXX. amount on XX/XX/2021 by merchant XXXX XXXX. 
I have sent several communications to XXXX XXXX ( Merchant ). They have responded multiple times and have no knowledge of this transaction either ( Response from the merchant is attached below ). 
Also, Citi bank was also not able to refund me the charges after hours on the phone with 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 monetary relief
Consumer complaint received 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TN

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper failed to pay my condo insurance from escrow ( which has enough funds ), resulting in expiration of my policy. My call to their customer service line not only failed to resolve the issue, but also provided no proposed resolution or timeframe for doing so.

Company response to consumer: Closed with explanation