vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
refuses to close account because XXXX XXXX XXXX people and refuses to close unless paid off first. 

secondly, refuses ( never resolved ) to remove fraudulent charges and continues to slander my good name w inaccurate info. This stops today. inaccurate reporting will be stopped thru id theft services. I will sue to correct it. 

I have had no relations w XXXX XXXX since XXXX, when I moved to XXXX. They refused to reissue my card on the ACTIVE ACCOUNT and are lying to you and FDIC w six mos dated info, as is typical to avoid lawsuits. They repeatedly do this and sent you inaccurate info. 

spurious charges were doubled, never removed and when invoking fcra rights I am penalized further. If my rights truely exist then help me fight XXXX companies like this and keep them from dodging the law. My debt is disputed for the entire card line, as also marathon ( cant prove on video charges are mine ), and XXXX XXXX XXXX ( another extortion. XXXX lawer refused to help, but wont offer me another line unless paid off. sent me a notice claiming not collecting debt as declared bankrupt. ) These are ways to deny unlawfully good credit after people have illegal acts that violate other areas of thier lives.This is taking advantage of the consumer and extortion.I will not have any CRA files from anyone ( most of which are illegal resallers ) extort my good name w false and demeaning info which is not accurate. prove to me beyond a billing statement that I owe you anything ( aka never disputed ) or the debt is not owed and must be removed. Refusal to remove inaccurate data must be XXXX w a FEDERAL CIRCUIT COURT LAWSUIT. It is not up to the consumer to do this, nor are they able. Nice move, cfpb and FTC ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: OH

Complaint narrative:
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

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 2018-01-20 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: OH

Complaint narrative:
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: OH

Complaint narrative:
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

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 2018-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD BANK Blocking me from enabling external applications. I need access to my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I want to pay my overdraft with this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GU

Complaint narrative:
Coinbase My account has been locked for over 2 months with no response for the company. Ive sent multiple help tickets and called with no response. 

Coinbase Help ticket number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: FL

Complaint narrative:
On late XX/XX/XXXX I made a cash deposit of {$2500.00} into my Chase Checking account at a Chase ATM located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States The ATM malfunctioned screen went blue saying : transaction cancelled and returned {$700.00}. Then it spit out my card and kept {$1800.00}. And didnt log it into my checking acct. I double checked my balance and immediately called the 1-800 number on my atm card for assistance from customer service. They took a report and said that the funds would be put into my checking acct. 
that did not happen! 
The next day I went to the branch manager at the XXXX branch of the bank and she was very helpful and they put the {$1800.00}. Dollars into my acct. several days later they removed it without notice on XX/XX/XXXX at midnight. 
That put my acct into a negative balance scenario they have exploited the scenario to charge me over and over again fees and charges. Ive tried to speak with representatives at the branch and they want to help me but refer me to claims on the phone and the representatives on the phone are very rude and refuse to listen to me. Subsequently I pass by that atm daily and even though they insist the ATM was checked and my funds were not found I caught them replaceing the entire ATM in XXXX XXXX and took pictures. 
I immediately went back to the bank to discuss once again they put me on with claims the representative refused to identify herself except by first name XXXX and she told me the claim was over the money was not found that she could not help me and that they use a third party vendor for their ATMs and maybe I should contact the third party with questions about the incident. 
This situation ruined my holiday my kids holiday and now threatens my credit score and I need help please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for and was approved for the Chase XXXX XXXX credit card. After receiving my card in the mail, I attempted to link the credit card with my existing Chase bank online account. I have been banking with Chase for 12 years so when I received multiple errors, I called Chase for support. They informed me that I would have to go in person to a branch to fix the problem. I went to the branch in XX/XX/XXXXand told them my situation. They said that the social security numbers on my accounts do not match and to fix that problem, they gave me a form to fill out at the branch. I filled out the form and the banker took it and told me that my accounts are now linked. From XX/XX/XXXX - XX/XX/XXXX, I received no notice that anything was missing or that Chase needed anything from me. In XX/XX/XXXX, I noticed all my bill pay was being rejected or returned. I personally called Chase on XX/XX/XXXX to see what was wrong with my accounts and they informed me over the phone that my accounts are now locked due to missing information regarding my social security number. The person on the phone informed me that I must fill out the necessary forms at the branch and have them scan it right away so that my account can be unlocked. I went to the Chase branch on XX/XX/XXXX. I waited ONE HOUR before any bank teller could help me. I told him my situation and he gave me another form to fill out. I completed the form and was told that it would take 3-5 days before my account can be unlocked. I waited until the 5th day and on XX/XX/XXXX, I called Chase again. They informed me that there was still a form missing and that the banker did not give me the correct forms to fill out, as a result, my accounts will all be closed and there was nothing I could do about it. I told the lady on the phone that I really needed my money so that I could pay bills because it was the beginning of the month. She informed me that if I called back in the morning, I could ask to have my check overnighted to me so that I would not have to suffer late fees as a result of their errors. I called back the next morning and was informed that the check was already in the possession of UPS and there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Comerica
State: CA

Complaint narrative:
It all started sometime back in XXXX when I was a loyal and good customer of Comerica Bank. I had my bank accounts there including my checking account that this complaint is in reference to. I had deposited an envelope with cash into the ATM machine one day. Long after the envelope was deposited I was notified that the envelope had insufficient funds inside, although until this day I was not able to track where the cash went if it was not in the envelope. Before I was able to return back to XXXX XXXX to resolve the issue, Comerica closed my bank account and reported me to both ChexSystems and Early Warning. I have resolved the issue with Comerica and paid them the amount I owed them. The issue was not clear to me as the representatives were not very helpful at first when I tried resolving it sooner. However, if the envelope was insufficient of funds, it was an honest mistake and was not something I had intended in any way. These two reporting agencies ( XXXX & XXXX XXXX ) still have me actively in their system 5 years later. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before this incident/reporting. Since Comerica has reported me without giving me proper notice and has still actively reported me to the agencies even after I have paid them off, my way of life has taken a turn for the worst. The inability to open any bank accounts and the reporting by Comerica has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. This is all due to the false reporting and unethical and immoral practice by Comerica Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.

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 2018-01-20 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: Diversified Consultants, Inc.
State: PA

Complaint narrative:
A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CASHCALL, INC.
State: GU

Complaint narrative:
The complaint is about a Servicemembers Civil Relief Act ( SCRA ) violation conducted by Cashcall Inc. 
CashCall Inc is refusing to abide by 50 USC Ch. 50 Section 3937 SERVICEMEMBERS CIVIL RELIEF ACT. 
Cashcall Inc has knowingly violated this law with regards to a personal loan, which started in XX/XX/XXXX for {$10000.00} with an interest rate of 39 % for a term of 120 months. I entered XXXX XXXX service with the XXXX XXXX in XX/XX/XXXX. 
I have not left XXXX XXXX service since I joined. I got married and I was able to pay off the loan in XX/XX/XXXX. I have recently ( within the past year ) became aware of the SCRA and its benefits, specifically the limit of 6 percent interest on pre-service debt and I began to notify past creditors and received major reimbursements from the credit card companies. 
But not Cashcall. 
I sent an email with my orders attached to Cashcall to inform them of my service on XX/XX/XXXX. The customer service email address that I sent the SCRA request to responded to me thanking me for my correspondence and that my case was under review. 
I tried to contact them thru XXXX XXXX for updates and was told on XX/XX/XXXX that this was escalated to management and they would send a response to the email address the request came from. I did not get that email response. 
I had to call them the next month and I spoke to a representative that is a manager in  the employee development section that tried to settle the case for only the two years that I was XXXX for in XXXX, ( XXXX ) a sum around {$2000.00}. They claimed that this was fair and that I was lucky to get this much from them. I had to explain to them that the statue of limitations does not apply to this case due to the fact that I am STILL on XXXX XXXX. 
With the interest rate change from 39 percent to 6 percent, times the monthly payment from XX/XX/XXXX to XX/XX/XXXX adds up to {$15000.00}. I declined the settlement. 
I then contacted a XXXX XXXX XXXX and she sent an email to the same customer service email that had replied to my previous request requesting that they follow the law and repay the outstanding funds. It has been ignored. I sent their XXXX XXXX a reminder about that email, once on XX/XX/XXXXand again onXX/XX/XXXXand only in XXXX after I told them I was filing a complaint with the CFPB was sent a letter asking to be given the contact info for my attorney. Info Im sure they had already from the previous emails that were sent to them. In fact, the threat of me contacting this Bureau seemed to be the wake up call they needed. 
Cashcall has been given all the information they need to complete their obligation under the law. I will not settle for any less than was is owed under the law.

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 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
It all started sometime back in XX/XX/2013 when I was a loyal and good customer of 3 banks  : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , & XXXX XXXX. I had my bank accounts at the three banks including my 3 checking accounts that this complaint is in reference to. On the same week in XX/XX/2013, a very small mistake was made at the 3 banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. The same happened at XXXX XXXX XXXX. Before I was able to return back to XXXX XXXX to resolve the issue, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Early Warning Services. I have resolved the issues with all 3 banks and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Early Warning Services to remove the negative reporting. I also sent these letters to Early Warning Services as proof. Early Warning Services has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Early Warning Services has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Early Warning Services database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My XXXX XXXX has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Early Warning Services. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 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: Convergent Resources, Inc.
State: PA

Complaint narrative:
A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address to me.

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