vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX ( 2020 ), I opened a Chase Freedom Unlimited credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from Chase so I assumed the account was paid in full. 

From XX/XX/XXXX2020 until XX/XX/XXXX2020 I never received a bill or notification from Chase to alert me that there was a balance due. They charged me late fees every month : {$28.00} ( XX/XX/XXXX20 ) and {$39.00} XXXX XXXX/XXXX/20, XXXX/XXXX/20, XXXX/XXXX/20, XX/XX/XXXX20 ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX  down to XXXX  because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America gave me a 30 day credit of XXXX to expire on XX/XX/XXXX, for bank acct. ending in XXXX. I had a stimulus deposit made on XX/XX/XXXX. When that deposit was made I transferred XXXX to account ending in XXXX, which was a new acct. I left XXXX in the acct. that the credit was given to. I called and asked them to take the XXXX out of those monies, but was told that there was no need to pay the XXXX until the credit expires on XX/XX/XXXX, I said okay. After talking to them I begin to transfer money from acct XXXX to acct XXXX to have access to a debit card because my new card for the acct XXXX had not came in the mail yet. As I needed to make purchases I would transfer that amount over to acct XXXX and complete my transactions. On XX/XX/XXXX, Bank of America begin taking money from the acct. XXXX saying I was in the negative when in actuality I wasnt because they gave me a credit to offset the XXXX due to expire on XX/XX/XXXX. There was two separate charges back to back. One in the amount of XXXX and another for XXXX. The explanation was that it was to offset my negative balance of XXXX, in which I had been given credit for. Ive been fighting with them since XX/XX/XXXX concerning this matter and theyre telling me they have the right without my permission to do what they will with my account. I explained to them that Im just coming out of XXXX XXXX and was depending on that money to pay bills. Im off from work. They still remain to take their stance that they can do what they will. My question is why have me set boundaries and limits on my accounts if you are not going to abide by those set in place. I dont have acct to acct overdraft protection. I did authorize money to be transferred from one acct to another. Can you please help get this resolved?

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 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TN

Complaint narrative:
Hunter Warfield sent a collections letter to a fictitious address with misspelled name and other mismatched details to me. Then placed this item on my consumer credit report ( s ). I contacted them to provide my correct address/phone information & request validation and verification. Never received any validation or verification. Contacted again by email approx. a month later to launch ID theft dispute. Company requested two forms of ID. I sent a letter detailing the ID theft, photos of state and federal identity documents, FTC Identity Theft Report, and FTC notice to data furnishers letter. I sent several follow-up letters ; however, they will not remove the accounts and meet their obligation under the law. Disputed with XXXX  agency under FCRA, when XXXX contact collections agency they provided the details I used to initiate fraud claim to also substantiate initial debt reporting. Put simply, they verified the debt with information they requested from me to dispute it. I am forwarding a copy of this complaint to the XXXX  XXXX XXXX XXXX to compel a response from Hunter Warfield within 20 days, per XXXX  website their counsel will review both parties documentation, make a determination and consider appropriate action against agency. This report is now submitted for reference and resolution of account reporting concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed a claim in early XXXX for unemployment benefits. Someone has been receiving my benefits since XXXX until present. I have made complaints by email in regards to this matter.I do have knowledge of how it is that has been receiving my benefits and want them to be jailed for this and others

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 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX the Florida XXXX issued me my backpay of {$3500.00} and it went to direct deposit to my PayPal account which they use XXXX XXXX at superstore you account and I have no problems ever getting direct deposit with them The account number and the routing number is correct everything is correct its just the money is not even showing up at all apparently to PayPal and they are not doing anything about it they said they cant do anything about it my money is just missing and now it is XX/XX/XXXX and still nothing have you looked it up online PayPal is notorious for missing peoples payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX 2020, I went to XXXX to receive a {$200.00} dollar XXXX XXXX from my Aunt, I then wanted to deposit the {$200.00} into my Chime account. The cashier should have only deposited {$200.00} into my account. Instead she first charged me {$200.00} for no reason, then she proceeded to deposit the {$200.00}. There should only be one transaction on my account from XXXX at that time and its for a deposit of {$200.00} ONLY! I have filed complaints with the police department, XXXX and my bank. I have not received reimbursement from XXXX nor my bank which is why I am filing this complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May  Concern : This letter is in response to your recent claim that XXXX XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: DC

Complaint narrative:
These accounts are to old to still be reporting on my credit. Please remove

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 2021-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX  XXXX XXXX  XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an alert about a collection account reported on my credit history from I C SYSTEMS COLLECTIONS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$65.00}, Date Updated:XXXX Amount : {$65.00} Original Creditor : XXXX XXXX XXXX  Past Due : > XXXX XXXX XXXX Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; AFFCTD BY NTRL/DCLRD DISASTR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I looked up the debt collectors ' information and I gave them a call. They informed me about an electrical bill that is past due to XXXX XXXX, from an address that I never resided at. I informed them that I don't know anything about this bill, never received any debt demanding letters nor any bills from XXXX XXXX or from IC Systems Collections and I asked them to remove their false report from my Credit History. Immediately I called XXXX XXXX, I was worried about my personnel information being compromised. XXXX XXXX was not able to find an account in my name either. I informed IC SYSTEMS Collections about XXXX XXXX not being able to find an account under my name. They said that they have to validate the debt with their client. In this case, I asked IC SYSTEMS COLLECTIONS to remove any collection records from my Credit Report, since they are not able to validate the debt. AT the moment, I am in process of buying a house. The IC Systems Collections refuses to remove their collection record from my Credit Report. IC SYSTEMS COLLECTIONS committed an unfair and illegal act which violates my rights under Fair Debt Collection Practices Act, 808 and 809. I asked for your assistance in resolving this matter. Thank You

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 2021-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I contacted Discover Bank regarding my personal loan ending in XXXX which I had any issues before on regarding changing my due date. My pay schedule from my employer had changed and I needed to change my draft to the XXXX th of the month. I gave them advance notice however i was notified this would not go into effect until XX/XX/2021. I paid a partial payment and my credit card which is current and set up payment arrangements for the remaining balance on XX/XX/2021. Discover personal loans then which is a separate consumer product and has a separate disclosure sent to customer has absolutely nothing to do with my credit card which was established years before I even requested a personal loan. When I called customer service to inquire why was there a hold on credit card from the personal loan department I got the run around saying it was company policy. I asked the representative where is that in the consumer disclosure issued to consumers that other products or services would be disrupted or not available even if they are current. The representative couldnt find any ounce of documentation disclosed to the consumer that had this information. I was on hold for a while and even reviewed my personal loan agreement which does not state explicitly anything where if suitable payments or payment arrangements are set even on accounts in current status services would be altered. I am not sure how a financial institution is allowed to alter services from an entirely different consumer service or product that were not established at the same time or year that do not have the same payment or fees together. This is in violation of the fair debt collection act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XXXX I sent Equifax a letter requesting the removal of incorrect information and updating my personal information with their company. When I pulled my credit report in XX/XX/2020 I noticed they had failed to respond with the removal as required by law. This has undoubtedly hurt my credit and left me open to identity theft and fraud as the result of addresses on my report showing incorrectly. My score reflected on other credit services is much higher than Equifax because they have failed to clean up the errors they are responsible to maintain. They have shown they are not a trustworthy company and don't have the integrity to keep the responsibility of safeguarding peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action aga
inst your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation