vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
For the last 3 years my debit check card informaiton has been stolen and used to purchase items. My account is through Chase bank. While Chase is aware of the issue, I do not feel that they are taking any steps at all to fix the fraud problem. Chase typically reissues the money from the fraudulent transactions within 7-10 business days, sometimes they will refund my account sooner and sometimes they refund little bits at a time. The card is alwasy in my possession and has never been lost or stolen.

I am reaching out to you today b/c for the 3rd time this year-I have had my card compromised. I went to activate my replacement card yesterday but the bank lady said it was already active and there were already charges using the new card. I had just taken it out of the sealed envelope. I believe that the fraud is coming from within the Chase organization and is much larger of an issue than what Chase is reporting ( if they are even reporting this fraud-I cant be the only one dealing with this ongoing headache and fraud ) I am paid one time a month and I believe that this is known by whoever is frauding my account. The fact that I had charges and an activated card before I even opened the envelope should tell Chase representatives that there is a large issue. I have to keep changing all of my autopayments. My husband was a vet and I believe that this benefit payment that I receive is known and this is why the fraud happens each time I get paid ( 1x a month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my friend sent me XXXX $ worth of bitcoins on my coinbase wallet. I tried to reset my password on coinbase account since I have not used it in a long time, when I did It logged me out from all the devices and now they have this 2F security system which sends you the code on your phone and everytime it does that it sends me the wrong code! it never recognizes the code it sends me and it says " error invalid '' everytime. I tried to reach out to coinbase by Email, live chat, phone and all the social media and I am not getting any response. I want to unlock my account and send my money to my bank account and be done with COINBASE! they are scam website!!! 

Please help Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: WY

Complaint narrative:
please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: WY

Complaint narrative:
please update this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After reviewing a copy of my credit report I noticed some fraudulent inquires on there. I have never applied for credit with any of these places nor do I have any accounts or business with them. Please remove these fraudulent inquires from my credit 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 2019-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The credit card is issued on Synchrony Bank and the card is Walmart.com.

Walmart.com closed the credit account after I submitted a promise to pay on past due balance. 

The credit card company is still reporting to the credit bureau after closing the account and is lowering my credit score by 5 points.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts reporting are not my accounts.

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimu

m payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. They believe that they own you and that the client has no Rights! Their customer service is extremely disrespectful and Managers are the worse plus they hang up the phone when you ask for an explanation. They do not know why, they just know that by charging the client, they can keep their job. That is not fair for the client.

I have two cards with them and the other card has a lower balance. Bank of America definitive does not care about the client. My card is more then 10 years and suddenly, they are trying to be difficult. 

I want all the fees that Bank of America has been charging. There is a payment set up and they had fail to help me update my account. When I tried to do it online it does not go thru. Bank of America keeps charging my account highers fees every months because they do not care about the client.

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 2019-10-04 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:
Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts reporting are not my accounts.

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 2019-10-04 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: NY

Complaint narrative:
Accounts reporting are not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In 2017, right after the huge data breaches at the credit reporting companies, I put a " freeze '' on all 3 credit bureaus. XXXX, XXXX  and Experian.

I am now trying to refinance and need to " unfreeze '' my credit reports. Simply done for XXXX   and XXXX. Experian is another story. I have tried for 2 weeks to get a person on the phone. I have the original PIN they gave me, and it does NOT work. I have followed the instructions, sending all my personal info, my drivers license and a utility bill through the regular mail. In a million years I would not have chosen to send such sensitive information by mail, let alone all on one page, everything someone would need to steal my identity. Why even here, I'm asked NOT to offer this information. How can a company I haven't employed hold me hostage. How can this be sanctioned? They have an enormous effect on our lives and yet they are immune to any questions or interaction. I have the highest credit rate, over 800 on all three and yet I feel like a criminal. I have been on pins and needles praying my personal information and my identity are secure. As of yet I have not received a single communication from Experian. I have no idea what the status of my request is. I don't understand why the PIN doesn't work, why there is not a chance of getting a person on line but mostly how they get away with it. I have not asked to be on Experian and yet they seem to be in charge of my finances.

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 2019-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I turned my lease in XX/XX/XXXX. XXXX XXXX XXXX. On time no issues. I received a letter dated XX/XX/XXXX from GM Financial Leasing stating they accepted my lease return and I would be billed for end of lease fees within 45 days. I never received this bill. My credit report showed the account was closed. I thought the car sold and I owed no fees because I never received a bill. Fast forward to XXXX of XXXX ; 8 months later. I have a new lease with another company and I never heard from GM ... ... .until now. I received a bill dated XX/XX/XXXX, stating I owed the disposition fee of {$420.00} ( including taxes ). This amount was due XX/XX/XXXX. They bill me 8 months later and give me 15 days to pay. I called them 3x and emailed their ebox that the call center gave me fro complaints. No written response as requested. When I called each time they stated I owed the contractual fee and if I didn't pay I would be reported to the credit bureaus. They stated the bills were sent out late due to the car wasn't processed until XXXX. I'm assuming as an oversight and shouldn't be my problem. 
*****Why is this my fault? The disposition fee is on the lease agreement to be billed at the end of the lease. I have a letter stating they would send a bill within 45 days. They did not. How do they get to bill me whenever they want? This is very deceptive. They made an error in timing and give me 15 days to pay? I paid today XX/XX/XXXX, because I have over an 800 FICO score and didn't need the headache of another fight. I want the leasing banks held accountable for their billing practices and should not be allowed to bill customers whenever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Withholding basic payment disbursement information On XX/XX/2019, I requested an amortization schedule for all remaining payments on my private student loan through Nelnet to confirm the payoff date as well as accumulated interest on the loan at time of completion. I first received a response from XXXX XXXX on XX/XX/XXXX, explaining how my payments are applied to each sub group within my loan. I advised them that I already knew how they are supposed to be applied ; I need an amortization schedule showing how they actually are applied. On XX/XX/XXXX, I received another response from XXXX XXXX that my payments can be viewed on the website. I told them that the amortization schedule is not available and I have asked multiple times now for this schedule, but have been ignored. A lender should not be withholding an amortization schedule from a customer. Yesterday, XX/XX/XXXX, I received this response from XXXX XXXX : " Since your interest accrues at a daily rate based on your principal and interest rate, we are unable to provide you with an amortization schedule. Please refer to your repayment schedule for detailed information regarding your repayment term. '' The above is simply untrue as it pertains to the ability to provide an amortization schedule for payments. All student loans accrue at a daily rate, and XXXX XXXX, my other student loan provider, sent me an amortization schedule based on my current auto pay with them within 24 hours. I am extremely concerned that Nelnet is intentionally withholding information because they are not applying payments correctly, and the responses received over the past three days, in which every time I have demanded the amortization schedule, are incredibly worrisome, as they are unwilling to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: PA

Complaint narrative:
JPMCB Card continues to place hard inquiries on credit file for dates XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. Requested authorization of signature and company fail to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/19 I made an error that has now caused my funds deposited on XX/XX/19 to be frozen for 10 days. 

I inadvertently transferred money from one account to another, only problem is I to the to and from backwards. As soon as I hit the OK button I realized what I had done. I called Wells Fargo to see what my options were. 

My options were to put a {$31.00} stop payment on the transfer, which didn't make sense because I don't have {$31.00} to spare. Well the XXXX transfer out of my checking from the other account hit so I called to see if we could do an {$18.00} reversal, it was an error on my part, however ; it happened. 

This error has sense caused my checking account to accrue 6 or more overdrafts which now Wells Fargo put a 10 day hold on a deposit that I depend on to pay my bills, get medications, doctors appointments. 

I have explained to Wells Fargo that I am XXXX, do XXXX to try and offset some of my expenses until Social Security makes their decision. 

I have set a lot of bills to be paid automtically, hence the Overdrafts. Once I received the email that they were holding my funds. I called and explained to them I am XXXX and need those funds for XXXX purposes and Bills. 

Being continually penalized {$32.00} for bills that I have set to pay automatically, while the money is there I find ridiculous. 

They have told me once the hold comes off they can give me partial credit for the overdrafts. That is not going to help someone is XXXX and unable to make a living.

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 2019-10-04 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: TX

Complaint narrative:
Equifax ; XXXX  and XXXX are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft victim

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