vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
On XX/XX/2021 at XXXX I purchased the crypto currency power ledger in the amount of XXXX coins the following day they removed my coins and my money XXXX the XXXX and delisted the XXXX XXXX companys name is Coinbase.. The reference code to the receipt is XXXX they seem to have done this to many people!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FISERV FINXACT CORE
State: MS

Complaint narrative:
On XX/XX/2021 I contacted XXXX on a dispute I had. This dispute was a business Debt that should not be reported to my personal credit as my company is an LLC. 

I reached out and spoke to a woman who called me from XXXX who was very rude when I tried to discuss how this was being reported on my personal credit report. I told her that the products were shipped to the customers and they received the products I did not see how her company gave the money back to the customer. 

She told me when credit card customers file a dispute they automatically refund. I explained to her that this was the reason we left them to begin with and I was actually contacting her company to get the attorney of record so I can take this to court. 

She told me to use XXXX and she did not have to give me any information. I explained to her that the XXXX XXXX XXXX XXXX XXXXs and the CFPB both told me I had a legal right to this information if I wanted to pursue court action which is what I plan to do since the state said that XXXX can't place a XXXX on the business side and then put it against my personal credit. they advised this was against the XXXXi Department XXXX banking regulations here and that I could take it to court to have XXXX XXXX judge decide if the debt is legit. 

So I went to the court, I got the paperwork and in the paperwork, it asks for me to list the name and address of the person to subpoena to court which is why I called her. She told me I didn't need it and to either pay it or she would make sure it ruined my personal and business credit. 

I even told her that I was told this was a law and she said she didn't care what the law was and she was above the law. When I told her I was going to file both in my state and at the CFPB she said to do whatever and that the CFPB don't tell her or her business what they have to do and she didn't care what the consumer laws said.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent several requests to Equifax Credit Bureau but still no response 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. Remove this account completely from my credit report : XXXX XXXX XXXX - XXXX {$1900.00} Reported : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Pursuant XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint.

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 2021-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
I have sent out several debt validation letters and a failure to validate debt letter with no response to neither of them Do you have to validate a debt and therefore they have not validated the dead or responded to me to any of my letters I have sent certified mail I have all the receipts for all the times I have sent them letters and I have copies of the letters

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 2021-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX Date of Inquiry : XXXX XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
I paid off the XXXX dollar debt o XX/XX/2021 I filed a dispute with equifax that the account was closed on XX/XX/2021 on XX/XX/2021 equifax concluded its investigation stating the company verified the information. That can not be plausible nor possible if equifax actually contacted the company after XX/XX/2021 because they would've said the account has been settled and is closed. That shows equifax doesn't actually investigate adequately nor accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX located in XXXX XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CA

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I started an account with XXXX  somebody hacked my account now I can't withdraw my money and I've contacted support for over a month now and they just keep giving me the run-around I did what they asked I sent a picture with my face the date and everything XXXX or XXXX times even when I was at work in my work uniform and they just keep telling me to send a picture and I want my money

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 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). 

A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. 

Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. 

On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. 

I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. 

On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. 

On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. 

I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the accounts that is still reporting on my Credit Reports and needs to UPDATE completely from my Credit Report : MEDICAL XXXX Date Opened : XX/XX/2020 Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: DISCOVER BANK
State: GA

Complaint narrative:
About a year ago, my credit card was maxed out and I proactively reached out to Discover and enrolled in a payment plan. I have since always paid at least the minimum payment due each month without fail. Unbeknownst to me, when I signed up for the plan, Discover 'suspended " my card and disallowed my available credit to change. 

During this 'suspension ' period, I lowered the total balance due from $ XXXX to ~ {$1300.00}. Also unbeknownst to me, Discover has been 'monitoring ' my credit reports and just a few days ago 'made the decision to close ' my account without any warning or deadline to pay the full balance. 

During the beginning of the pandemic, my income decreased significantly, but in the past few months my income has stabized and increased higher than it has ever been. I have reported the increase in pay to Discover and was planning to start making higher monthly payments. 

When I received notice from Discover of their plans to close my account, I immediately called the customer service department and inquired about the reason for the closure. The woman advised me that the decision has already been made and the card is already closed. There is nothing I can do. 

This is the shadiest practice I have ever been dealt from a credit card company. During a time when I reached out for help, they took advantage of me and closed my account without even a warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX an attempt was made to pay my credit card through my local Bank of America XXXX XXXX {$1000.00} Was initially deposited however {$100.00} was returned due to being an old bill. After returning the bill the machine froze and after a brief wait it switched back to the welcome screen, never providing confirmation of payment or any receipt. On XX/XX/21 I went to the branch in an attempt to resolve the manner, I was directed to their credit card support phone line. Upon calling the support line I repeated said facts related to the incident, and was told that a claim would be opened and I would hear a response within XXXX business days. It is currently XX/XX/21 and I have yet to receive any communication or resolution from Bank of America related to the issue.

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 2021-11-20 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: GA

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. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
Card provider : https : //myprepaidcenter.com card type : XXXX card status : expired Balance : available customer service : XXXX Website FAQ Says : https : //myprepaidcenter.com/faq : Does the Card expire? 
Yes, the card will expire after XXXX EST on the last day of the month of the valid thru date found on the Card Details page. However, if funds remain on the card after the valid thru date, you may request a replacement card at no charge by calling Customer Service. 


Issue : NO Option for replacement card in automated support nor live operator support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 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:
This is 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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
XX/XX/2021 : My credit card was charged {$24000.00} for the replacement value of a rental car damaged in an accident. The rental car company is in XXXX, XXXX, the card was not present for this transaction and card credit limit was {$8000.00}. JPM Chase approved the charge without checking with me. 

XX/XX/2021 : I saw the charge on my card after receiving a credit downgrade alert from a credit reporting agency. I called JPM Chase immediately and the said they would reverse the charge. JPM Chase suggested we call the car rental company. Despite the fact that the rental car company told us they would not charge the card without informing us first, they said they would not reverse the charge as it had already been approved. 

XX/XX/2021 : The charge had not yet been reversed so I called JPM Chase again. They bounced me around between customer service and disputes for 30 minutes. They finally told me they would not be reversing the charge for 15 days. When I asked why this charge was not flagged ( no card present, foreign country charge, 3x the credit limit on the card ), no one would give me an answer, Their fraud prevention department refused to speak with me. 

XX/XX/2021 : The results of this have been devastating. 1. My young adult children who share the card are unable to use the card make purchases of food, gasoline, etc. 2. My credit rating has dropped XXXX points from the low 800s to the mid 700s, making for an uncomfortable conversation with a potential new employer who required a credit check. 

Summary : I believe JPM Chase was incentivized to approve this charge as they know it will need to be paid off over time and they will collect interest over that time period. They also charged me a {$750.00} foreign transaction fee and likely and over-limit fee. We have a claim through their insurance group as the card covers the cost of a damaged rental car overseas. Based on this experience, it seems unlikely they will honor that commitment.

Company response to consumer: Closed with explanation