vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear CFPB RE : PPP1 SBA Loan # XXXX / Amount {$94000.00}. 
We are seeking assistance from the Consumer Financial Protection Bureau regarding a Bank of America PPP loan made to The XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX, Georgia XXXX ) under the Cares Act. The loan initiated via the SBA and the US Treasury was intended to provide some relief to small business during the pandemic to keep them from closing by covering employee payroll and rent etc. We can honestly state without the XXXX in the PPP1 funds the XXXX XXXXXXXX XXXX XXXXXXXX would have surely failed. Whats important to know is that we have attempted to reach out to Bank of America in good faith since XXXX, 2021 and to date they have failed to respond. We have literally hundreds of communication to BofA regarding this matter and to date the matter remains unresolved. 
The Problem : Bank of America is requesting that we pay 1/2 the funding from the SBA PPP be paid back n the form of a loan payable to Bank of America thats nearly XXXX of the XXXX they want to recover. Worse we were informed of this news almost 1 year into the pandemic, and 1 year after the loan documents were signed and closed. Again It's important to state the funds were spent on the required expenses by the time Bank of America stated they wanted 1/2 of the loan back in the form of a loan. This is odd as Bank of American has never approved a loan application for the XXXX XXXXXXXX XXXX XXXX, even for as much {$500.00} credit card its interesting that we can to get XXXX loan approved without as much as an application when it with Bank of America 's interested - unfortunately the XXXX loan amount has the high potential for default, and likely would trigger a bankruptcy for the XXXX XXXXXXXX XXXX XXXXXXXX Please see attached additional documentation

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 2021-09-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express customer service is beyond horrendous, the way they constantly talk over you and ignore every word coming out of their customers mouth that I have to go to the CFPB for this concern is ridiculous! On XX/XX/XXXX after reporting the incident to the CFPB they sent me a letter stating they would finally actually look at the evidence I kept re-sending them to see I was right in the dispute and would " issue my permanent credit for {$200.00} '' for the dispute. I kept waiting nothing! I know I didn't get the credit because I let the balance for the amount roll over awaiting for it to be credited back yet nothing! I checked numerous times through the chat to keep being told on my statement end date XX/XX/XXXX it would be issued ( I have the screenshots for the numerous times as well ). XX/XX/XXXX reached and nothing! I called today XX/XX/XXXX and all I got was a rep who hung up on me and didn't call back. Called again XXXX XX/XX/XXXX requesting a supervisor since I was hung up on to get a rude man who talked over me the whole time and wouldn't listen to a word I was stating. I want my permanent credit and honestly the dispute process with this ridiculous company makes me want to close all 5 of my cards out, including my business cards!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear CFPB, I disputed a credit card charge with Chase Bank. The dispute process is supposed to protect consumers against rogue companies overcharging and wrongly charging consumer credit cards. However, Chase Bank 's dispute process is merely a machine that fails to ensure consumers are protected. 

In my case, I bought multiple tickets from XXXX for {$3300.00} per ticket, including their 20 % fee. I attempted to sell one of the tickets through XXXX, but the ticket never sold. So, I listed the ticket for sale on another website ( XXXX  ) and it sold almost immediately. So, using XXXX 's automated system, I requested that XXXX transfer the ticket to XXXX  to be delivered to the new buyer. XXXX charged me {$500.00} to transfer this ticket from XXXX to XXXX, so there is zero argument that they didn't know it happened. But, when XXXX transferred the ticket to XXXX, their system failed to remove the ticket from XXXX 's inventory, and XXXX then sold the ticket AGAIN, thereby double selling the same ticket. 

XXXX then charged me an additional {$3500.00} for their computer error ( not removing the ticket from their website ). So, they not only charged me {$500.00} to transfer my ticket to XXXX, but also charged me {$3500.00} for them selling the ticket again to another buyer. There system should have automatically removed the ticket from their inventory at the same time they transferred it from their system ( to XXXX ). 

Chase denied my charge back request because they don't have a process that cares to understand the circumstances. They have a " machine '' to process chargebacks without regard to consumer protection and common sense fairness. 

Chase is a giant multi billion dollar bank and they are supposed to handle disputed items fairly and with consumer protection in mind. But, they don't. And, they should be investigated accordingly. 

Sincerely, XXXX XXXX. Note the XXXX provided docs that I can't even read. And, you'll notice that none of said docs even address my dispute. Instead, they are just a regurgitation of their contract. But, they don't even touch on the glitch in their automated system that didn't remove my ticket from their inventory after they transferred it. It's an automated response by XXXX, and Chase just accepted the non-sense and didn't refund my {$3500.00}. It's unfathomable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On approximately XX/XX/2021 I called EQUIFAX due to seeing some creditors on my consumer credit report, that should not be on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the accounts had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not properly justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( a ). I initially reached out to EQUIFAX on XX/XX/2021 and there has been no further communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on XXXX and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I got a credit card for a bed through Synchrony bank. I had two returned payments not go through ( I could swear they do that on purpose ). Because of this, they closed my account. I then decided to pay the entire balance ( {$700.00} on the XXXX on the XXXX ). Before the XXXX, I was already reported as late earlier this month ( XX/XX/XXXX ). However today ( XX/XX/XXXX ), I was reported as having a delinquent account on all 3 bureaus. I contact synchrony and they say that its the bureaus fault but it says the balance is {$0.00} in the details and it has already been reported as closed. I was reported twice in the same month for late payments but the account was closed and the balance was payed in full.

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 2021-09-27 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: LA

Complaint narrative:
On XX/XX/2021, XX/XX/2021 XX/XX/2021 and again on XX/XX/2021 I sent a certified letter to Equifax about some unauthorized credit inquiries which are listed below, they have not responded to my request. These inquiries were not authorized by me and are fraudulent. 

Equifax XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am not sure how to report this complain so I chose the best one to fit my situation. I have disputed these alleged debts several times. There is one alleged debt that these two companies are reporting twice as derogatory accounts on my consumer reports. Lvnv funding & XXXX XXXX XXXX. These alleged debts are ruining my reputation as a consumer. As a natural person I have asked these two companies to validate the debts which they have not successfully provided me with this information after several attempts. Also they both are reporting this one alleged debts to many consumer reporting agencies without my written consent to do so. They are violating 3 of my rights as a consumer and also violating FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: MS

Complaint narrative:
This account is not mine. I have been disputing and they tell me its verified as accurate but wont show me where I put my signature to authorize this account. This is clearly identity theft. This account is affecting my credit health tremendously. Attached is what the bureaus are reporting. I recently reached out and asked them why are they reporting names and addresses that arent mine and they deleted it but these accounts arent mine and it remain on Transunion and XXXX. The underserved has always been a victim of these fraudulent credit reporting practices I will pursue monetary relief as soon as I find legal representation. I have a copy of my past credit reports as well.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said Company LVNV FUNDING, certified mail. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said Company AMERI COLLECT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said Company CHOICE RECOVERY, INC. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: OH

Complaint narrative:
I contacted the creditors about these inquiries over a month ago and they never resolved the issue or complied with my request at all.

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 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Capital One Financial Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said Company FIRST FEDERAL CREDIT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is not XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
I recently sent in a complaint of identity theft for Experian. Their response is that that need authorization due to third party. My name is XXXX XXXX, and I am a victim of Identity theft. I am NOT a third party. I XXXX XXXX also give Experian permission and authorization to proceed with my complaint on my behalf.

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 2021-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Money was transfer from Chase bank to a cryptocurrency platform. Each top up channel require to request a bank account transfer and the account freeze without permission to withdrawal. Was not aware all accounts is fraudulent and how can I deposit and can not withdrawal? Chase need to protect the safety of their customer 's account and need to investigate these fraud transaction. Ask XXXX to return my money and their bank is known for money luring. 

XXXX {$1000.00} XXXX {$10000.00} XXXX {$100000.00} XXXX {$60000.00} XXXX {$20000.00} XXXX {$50000.00} XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met. 
NOW THE WAIT - Rcv bonus <= 140 days from opening. 

After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer. 
I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back. 
Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I sent in a request for validation to said Company CONVERGENT OUTSOURCING Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g 30 days is given to investigate or respond to said request for debt validation. I have not received any correspondence back from company! it is now XX/XX/2021. It is a violation of collection practices act for a debt collector to refuse to send validation notice or fail to respond to my request letter.

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