vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife and I married in XXXX of 2020. She has a pending greencard application with approved XXXX as well as a valid SSN. When attempting to add her to my bank account, which is generally a requirement to show good faith in a legal marriage for XXXX. Chase informed us that they were refusing her legal documents from DHS/USCIS and would only accept documents that had her single name. Which is clearly impossible since her legal presence here is all based off her married name, the name shown on her SS card as well as her CA ID, marriage license and all other official documents. 

After arguing back and forth they assured me this was the only way they could do it as she is not a legal resident, when she clearly is, as she has valid legal presence in the US. They had her sign an SS document saying that the SSN we provided belonged to her single name, when we repeatedly pushed that this was incorrect and would cause problems later he said it was only for their internal use. 

3 days later I find my account frozen and a fraud flag placed on the account and that I only had a short window to rectify it before the account was frozen permanently. They explicitly stated that an account can not be opened unless all information matched the SS card, and that her legal status has no bearing on the account and that her passport can not be used. 

We returned to the bank the same day to find him changing all the documents to her married name, which is what I pushed for originally and blamed us for the problems, not even once did we receive any kind of apology. He stated over and over the XXXX department was incorrect, when they are clearly the ones who attempted to verify the information and flagged the account. 

I am nowhere near being down and have wasted several days of time on this, to find out my account is still frozen. This has delayed my tax return, returned my recurring ACH transactions for insurance and other purchases as well as upending everything relating to any banking transaction. I had to have to XXXX force an over ride just to deposit a check and get cash and the treatment I have received is unacceptable. I am now concerned I will never receive my tax refund as all account activities are blocked as well as knowingly submitting incorrect documents to the SSA even after repeated attempts to inform him the information was wrong as well as illegal to knowingly submit them as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in the process of trying to buy a home. The lender tried to obtain my credit score numerous times with equifax and there are receiving a message stating fraud alert. I dont not have a freeze or fraud alert on my equifax account. Called equifax 5 times on XX/XX/2021. And they tell me that its nothing wrong on there end. Im running around and circles. Its unfair that this situation is delaying my dreams of getting my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: TN

Complaint narrative:
Wrong Address, Fraud, Incorrectly Shows Account That's Not Mines. Fraudulent Address & Negative Account Information Still Appearing On Equifax Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) In Reference To Account Number Starting With XXXX Including The Unrecognized Phone Numbers Associated With The Negative Account After Contacting The Creditor Directly. My Correct Current Phone Numbers Are XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX XXXX, TN XXXX '' Is My Current Correct Home Address As It Reflects On My Government Issued ID, Identity Theft Report And Piece Of Mail For Identity And Address Verification I Uploaded As Well For Supporting Documentation. Based On The Facts, The Negative Account Is Fraudulent Prior To Unmatched Personal Information. The Following Emails XXXX '' And POSSIBLY " XXXX Was Also Compromised The Same Year The Fraudulent Activity Occurred. The Reason XXXX XXXX Was Still Receiving Complaints From That Email Through The CFPB Portal Is Because I Created An Online Account With Them That Same Year As Well. This Is A Huge Mistake Even Though XXXX BANK Claims That Fraudulent Activity Didn't Occur On Their End And I Can Also Say The Account Was Opened In My Name But The Charges Is Fraudulent But I'm The Wrong XXXX XXXX XXXX So It Isn't True And Accurate If I was Incarcerated That Year To. So I Couldn't Have Opened It. My Information Is Mixed Up With Someone Else 's And I'm Sorry About This Big Mess. Gladly To Say I Hired XXXX To Assist Me And The Account Will Be Challenged, Receiving Future Letters Asking To Provide Documentation Verifying That The Account Is Actually Mines So You Might Wan na Review Again Because After This Final Time, Dispute Resolution And Complaint. Im Seeking Legal Action Against XXXX BANK Headquarters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/2021, I opened an account with the XXXX XXXX company XXXX, and till this day ( XX/XX/2021 XXXX my account hasn't been verified, leaving me unable to withdraw the money I have deposited to the account. When opening my account I provided the information required and a photo of my license from both sides. Right now I'm only allowed to make deposits, but not to withdraw what I deposit. Ive given the company time, but more than a month is just unacceptable. Ive tried communicating with them on three occasions ( I can provide dates if required ), about what's going on and even mentioning that I was about to take legal action, but all I get is the same exact answer with no answers to my specific problem. I tried avoiding escalating this, but unfortunately I'm left with no choice, since I have money tied to this account that I can't even touch because of the disservice of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
I have a PayPal business Debit card and for some reason they put restrictions on my account to where it will let me use it to pay certain bills it's wanting me to show some kind of proof about the business account that the card is for like proof of ownership and tax receipts it was asking for 3 different kinds of proof that would be personal and none of there business and not required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I already reached out to the credit bureaus and to WELLS FARGO BANK for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to 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 non-monetary relief
Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I Purchased bitcoins through CashApp for investment but noticed it was scam companies. 
please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was not late with XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX  XXXX, XX/XX/2020. 
3. I was not late with Chase Bank XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I was not late with 1. American Express XXXX, XXXX, XXXX, XXXXXX/XX/2020. 2. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
3. I was not late with XXXX XXXX XXXX, XX/XX/2020. 
4. I was not late with XXXX XXXX XXXX  XXXX, XX/XX/2020. 
I send all three credit bureaus dispute via certified mail. All three came back as verified. I send copy ' s of my bank 's statement from XXXX to XX/XX/2020 showing bill 's paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021 emailed Westlake Financial 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with Westlake Financial.

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 2021-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
am being racially discriminated against! I do not appreciate how I am being treated as a XXXX woman, due to incompetence and False allegations are being made against me due to my race and its not fair. On Friday XX/XX/2021, Ive received an email from Capital One Bank Card Investigation and it stated that Weve decided to close your account ending in XXXX and XXXX because we observed activity that is inconsistent with our terms and conditions I was very confused to why my account was frozen, Ive never breeched any terms and conditions. out of frustration Ive contacted the number provided ( XXXX ) and Ive spoken with a XXXX male ( name unknown ) and he reviewed my account and stated he do not see why my account was frozen and that he will notate the account and reach out to the person that has frozen my account, its so happens the person who closed my account is a white woman ( name unknown ) he stated the the lady who has blocked my account was out for lunch and to give him my number and he will have her call me back, Ive waited and never received a call, Ive went to my bank speak to someone to demand an explanation and theyve reviewed my account did not see any suspicion on my account and that everything is currently active, the teller asked me did I speak to anyone regarding issue, I said yes and she stated that the account had not been notated, I said thats funny because the representative stated he will notate the account ; the teller called the card investigation department and was told that I have 3 open credit disputes, and I said that was false because all of those disputes are valid which were for a total of {$200.00} and Ive received an email yesterday stating my disputes have Been resolved and the claim will be closed, so why is {$1200.00} of my money being held? something is very fishy and its not adding up, I want my money back immediately! We are in the middle of a Pandemic and no one seems to care, I am currently unemployed and facing eviction! I have to pay my rent ( {$1300.00} ) and utilities Capital One Bank is playing with my livelihood and emotions, I am currently dealing stress and XXXX I am in financial distress, I need my money back! Please resolve this issue as soon as possible, thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions.
State: SC

Complaint narrative:
I was looking into a chargeoff from XXXX XXXX on my credit report. I contacted XXXX XXXX who forwarded me to a collection company FCBS inc. That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX  who stated they had sold the debt and no longer owned it. When I contacted the collection company ( FCBS, INC ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
1. I was not late with Barclays XXXX XX/XX/2020. 
2. I was not late with XXXX XXXX XXXX XX/XX/2020. 
I send all three credit report agencies copies of my bank statement Showing paid.

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 2021-04-03 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: PA

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I have been trying to resolve this issue with money 4 u for a year. They hired a private investigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in XXXX dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer goodshephard. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was looking into a chargeoff from XXXX XXXX  on my credit report. I contacted merrick band who forwarded me to a collection company XXXX XXXX That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX who stated they had sold the debt and no longer owned it. When I contacted the collection company ( XXXX, XXXX ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!

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 2021-04-03 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: PA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
OnXX/XX/2021 I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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: GA

Complaint narrative:
On XX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03 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:
OnXX/XX/2021 emailed XXXX XXXX 's Credit Dispute Center. Received a correspondence email that stated they will provide result within 30 days. Have not received any communication with XXXX XXXX.

Company response to consumer: Closed with explanation