vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. 

I immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. 

I was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. 

I am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.

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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal has closed the account without any reason since XX/XX/ 2021 and they are not helping me to get it back. I am sure that I did not make any mistakes and they are not even telling me the reason of closure. I tried to get any answer from them many times but they are not giving any proper answer. They even held my money for 180 days and after 180 days they took all of my money ( {$1100.00} USD and XXXX GBP ) on XX/XX/2021 from my account. 
So I am filing a report here as they are not doing their job properly. They held and taken all of the money without giving a proper reason and it gave me quite a loss. 
My email linked to PayPal account is XXXX XXXX

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

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX Texas XXXX. I have unknown or fraudulent addresses appearing on my credit report and other incorrect information I am requesting that these items be removed and updated. 
Please remove the following addresses : XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX TX, XXXX, XXXX XXXX XXXX XXXX XXXX TX, XXXX

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

Complaint narrative:
On XX/XX/2020 there was a fraudulent inquiry made on my XXXX credit report made by ( JPMCB ) JP Morgan Chase Bank Card Services. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with XXXX but they asked me to reach out to the merchant. i can't get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 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: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XX/XX/2021, Wayfair debited from my checking account for merchandise I never ordered or received. This occurred 2 times on the same day. One amount for {$800.00}, and the other {$180.00}. I did not order these items. Additionally, my bank charged me a {$30.00} processing fee. 

I have contacted Wayfair via the telephone and was told this matter was going to be referred to Wayfair 's XXXX team. 

To date, I have not received a credit refund back from Wayfair. 

These debits from my checking account have place hardship and as a result, I am not able to pay my monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XXXX/XXXX/2020 there was a fraudulent inquiry made on my transunion credit report made by ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with transunion but they asked me to reach out to the merchant. i can't get through.

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 2021-10-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/ 2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it

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 2021-10-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that Best Buy violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: MI

Complaint narrative:
30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter for which I still havent heard a response.

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 2021-10-10 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: CO

Complaint narrative:
" XXXX XXXX, Thank you for submitting an application for a loan on XX/XX/2021. We truly value your business. 

After carefully reviewing your application, we are sorry to advise you that we can not provide a loan to you at this time. Our credit decision was based in whole or part on information obtained from an outside source other than a consumer reporting agency. If you would like a statement of specific reasons why your application was denied, please write Customer Support at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. " I received this email tonight about a loan application that I never authorized as well as a credit check that was never authorized. I did many months ago take out and pay off a loan from this company and have since been solicited to constantly via email, phone, and text. Now they are running my credit without my approval.

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 2021-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
This complaint is in addition to another related complaint I have filed against Coinbase for discriminatory practices ( CFPB XX/XX/XXXXXXXX ). 

My husband and I invested in XRP on Coinbase 's main trading platform on XX/XX/XXXX and XXXX, 2021, and we were not notified at that time of Coinbase 's impending plans to suspend trading on XRP as a cryptocurrency, which took place on XX/XX/2021. While we understand that SEC has levied violations against XXXX XXXX XXXX XXXX that need to be honored, Coinbases decision to suspend trading on XRP was a decision they themselves had made, and one that demanded proper communication to their consumers. Instead, Coinbase decided to prevent trading of XRP on XX/XX/XXXX for customers on their paid subscription tier, Coinbase Pro, but failed to notify clients on their main trading platform ( where trading fees are higher ) of their plans to limit trading until nearly four weeks later. Due to Coinbase 's failure to notify their main platform customers, my husband and I would have had to pay both buy and sell fees to Coinbase to recover our investment.

Coinbases freeze on trading for XRP has now been in place for almost nine months, and we have received no communication from Coinbase as to when this restriction will be lifted ( if ever ). As a result of Coinbases cherry-picking of which laws, regulations, and investigations they comply with and their intentional failure to disclose their plans to limit trading of XRP to their main platform customers in order to maximize their profits through fees, etc., my husband and I have been unable to sell our holdings in XRP for over nine months now. The only recourse Coinbase has suggested is to trade our holdings in XRP to another trading platform that permits trading of XRP an option that represents undue burden to us and potentially requires us to pay even more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2021, I sent all bureaus a dispute letter regarding my credit report. I believe it was a misuse of my credit report. this is very urgent, and I need them to look at it

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 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I sent credit management control a debt validation letter. I ask them for exactly what I wanted from them and they failed to provide me with the paperwork I needed. They didn't provide me with the original contract I signed. All they provide was a statement which is not enough proof. I ask that you delete this account. As a consumer, only I can validate a debt and this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. 

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Chase bank received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce. 

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim. 


Chase bank has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Beginning XXXX, our home was designated flood area and our mortgage carrier BBVA compass sent out a notice that we must purchase floor insurance by XX/XX/XXXX. If we don't comply, they will purchase one for us. I began my search for a carrier by asking my insurance agent on XX/XX/XXXX. It took about 2 months to obtain my own insurance which went into effect XX/XX/XXXX at annual cost of {$650.00}. BBVA collaborated with a company, XXXX XXXX XXXX XXXX ) to provide coverage beginning XX/XX/XXXX. They charged me {$2900.00} for a 12 month period, which is substantially higher than the rate I received from the carrier my agent found for me. 

I didn't realize obtaining flood insurance takes such a long time, and I assumed my mortgage company would find us a reasonable coverage with market standard fees. That is the only reason I didn't attempt to find my own coverage. Now I learn the fees charged by XXXX is exorbitant and not a customary price for this type of insurance. A $ XXXX  monthly added cost to my mortgage payments, would send me into foreclosure during this tumultuous period and I can not believe BBVA would in good faith cause such harm to their clients. It was this outrageous pricing that prompted me to look for another carrier. I started to think BBVA and XXXX cornered us into accepting this ridiculously priced policy because they thought we are clueless consumers without a choice in the matter as truly many of us likely are unfamiliar with flood coverage mandates. According to XXXX XXXX XXXX XXXX, that legislation on flood insurance has taken numerous twists and turns since inception in XXXX, and even so " the flood insurance requirements are still the least understood and most violated. '' I believe I am a victim of bankers and insurance company taking advantage of my naivety. 

I reached out to BBVA and the insurance handling department several times to ask for forgiveness and refund of {$760.00}, but got the same response : " we are required by policy to carry flood insurance and that date of coverage was XXXX, and we can not remove the charges. '' Furthermore, because BBVA sold to XXXX XXXX, and they will not handle any more calls or complaints at this time. There were not flood related claims during this period. I didn't need the coverage and would never have agreed to their exorbitant pricing had I been given a chance to search for a similar product on the free market.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: TX

Complaint narrative:
On XX/XX/XXXX, 2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX2021 I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that XXXX XXXX violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company response to consumer: Closed with explanation