vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously disputed this account stating : I recently pulled my reports and noticed you are reporting this account as Open when its closed. Because this account is closed but being reported open by your company, this means the account has not been properly verified. Please delete this account immediately.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
5 unauthorized transactions were made on my account and when I contacted the company they sAID I HAD A contract?? with the place that the transactions were made and to contact them. However i did not and you can not contact the company as they refer you back to an account a person would have with them and I do not use this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: FL

Complaint narrative:
XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since JPMCB would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.

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 2021-07-13 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: FL

Complaint narrative:
XXXX was a settled account back in XX/XX/2021 after numerous attempts and uploading proof and requesting the information to be blocked since XXXX  would constantly furnish innacurate information. i proceeded to request that they ( credit reporting agency ) respect and abide by the FCRA and they refused. even after having proof that the items had been paid, receipts and settlement paid letters as proof and account closed. numerous times i was dealt with bias and refussa to uphold the law. i am requesting that the item be blocked from further reporting on my credit file since they are unable to furnish a truthfull accounting of this debt.

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 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com ( company ) promises {$5.00} in bitcoin when opening a new account. 
I opened an account in XX/XX/2021. As of today, company has not delivered on its still advertised signup bonus. 

Company has been contacted repeatedly but did not offer a valid explanation on its refusal to comply with its policies. My account is verified ( see screenshot ), active for trading ( see screenshot ) and not a duplicate.

Company has stopped responding to emails on this subject ; open cases on this issue are now immediately closed without notice. Emails available upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized activity and use of my credit report by the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SD

Complaint narrative:
I am a XXXX American and my stimulus and 3 months worth of XXXX was stolen when my chime card was stolen and they refuse to do anything. saying that I didn't give enough proof that It was fraud. 
enough evidence was given with dates from extremely reputable sources. Legally I am to be shown as " in good faith '' since I in good faith used chime to hold my money. 

fraudulent transactions stealing someone's XXXX money it's not very much, but this company is a joke as far as disputing anything they always deny. And we as consumers suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2021 letter received requesting further proof of address. 
XX/XX/2021 Utility Bill and Business License mailed. 
XX/XX/2021 Phone call to get update made. Agency is refusing to accept city business license as valid proof for furnishing a government issued business license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
IN THE PAST 3 MONTHS MY FICO CHANGES WITH NO REASON .... I HAVE A SEVERE DISPUTE WITH BANK OF AMERICA, WHO MANAGED 2 CREDIT CARDS, MAKING ENDLES ERRORS ... NO BODY ANSWERS LETTERS, NO BODY CORRECT ERRORS..THE FACT IS THAT THEY OWE ME MONEY ... AFTER I FILED A COMPLAINT MY SCORE WAS CORRECTED, BUT NOW IS DOWN AGAIN. HAVE WRITEN LETTERS TO ALL CREDIT COMPANIES, NO BODY RESPONDS???? XXXX  IS THE WORSE, I HAVE SEND AT LEAST 5 REQUESTS, DEMANDING THE REASONS, NO RESPONCE???? ON XX/XX/XXXX I FILLED A COMPLAINT AGAINST BANK OF AMMERICA XXXX XXXX ... .NO RESPONCE UP TO DATE???? I HAVE EVIDENCE THAT BANK OF AMERICA IS HAS DEFRAUDED ME, AND CAUSED THE CHANGE OF MY SCORE ....

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JTM Capital Management, LLC
State: DE

Complaint narrative:
I have contacted XXXX and XXXX XXXX XXXX XXXX several times requesting validation of the debt that they claim I owe. I sent letters via certified mail return receipt. They have not responded at all which is in violation of 15 USC 1692g ( a ) - Validation of Debts but continue to negatively impact my credit report. Please see the attached Affidavit of Truth and exhibits that highlight their violations of my rights under the FDCPA and FCRA and the attached Invoice that is due to be paid upon receipt. Under 15 USC 1692k ( 2 ) ( A ) I am owed {$1000.00} per violation of my rights. 

They have not supplied any of the information I have requested in order to attempt validate this alleged debt since the consumer is the only one who can validate a debt : Name and address of alleged creditor Name on file of alleged debtor Alleged account # Address on file for alleged debtor Alleged account # Amount of alleged debt Date ( this alleged debt became payable ) Date of original charge or delinquency Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased Commission for debt if collection efforts are successful Please attach copies of the following : Agreement with your client that grants TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT. the authority to collect this alleged debt. 
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 

Have any judgements been obtained by any creditor regarding this account? 

Please provide the name and address of the bonding agent for TOTAL VISA/TBOM/VT or JTM CAPITAL MANAGEMENT, in case legal action becomes necessary. 

I have only received a letter from XXXX stating that the debt was transferred to JTM Capital Management. JTM Capital Management has not provided me with a notification of this debt which is also a violation of my rights as a consumer. I have not received any contractual agreement that I signed with the alleged original debt collector or a contract that I signed with JTM Capital Management that says I have agreed to pay them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: AC AutoPay LLC, Denver, CO Branch
State: HI

Complaint narrative:
On XX/XX/2021 I submitted a preapproval request to Autopay to review potentially refinancing my current car loan. The application stated that a soft credit check would be performed prior to them sending the information along to their lenders, which I agreed to. I received 3 offers based on the information I gave them, and then decided to wait a few days to think it over before deciding.

On XX/XX/XXXX, without my consent, Autopay performed TWO hard credit checks on my profile. I immediately called Autopay to inquire as to why they had performed these, and was told that since they had all the information they needed, they went ahead with the hard credit check and that since I applied through XXXX that was my consent to further process my application. I immediately asked them to close my application, however the credit inquiries remain on my credit report and will negatively affect my score. 

Attached : 1. Email received from Autopay from my initial pre-approval application on XXXX XXXX. Email I received XX/XX/XXXX after I requested they close my application ( note wording that states that they only perform a soft credit inquiry ). 
3. Screenshot from XX/XX/XXXX that shows two hard credit checks from Autopay.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
For over 2.5 years I have been trying to get FedLoan to correct my payments for the PSLF program without any success. They payments have been incorrectly not counted after multiple attempts at resolution. Finally the counts were corrected, the issue is that I could have applied for PSLF in XXXX/XXXX XXXX XXXX, but the payment number was not corrected until late XX/XX/XXXX. I received a payment count update in XX/XX/XXXX which was missing around 17 months of payments. I then received another updated payment count in XX/XX/XXXX, showing the correct number of payments after almost three years of regularly communicating with FedLoan and getting nowhere. 

After all of that, they forgave one of my loan sequences, but then " inadvertently missed '' ( their words ) the other two large loan sequences for no reason. They simply didn't process my other two loans and have done nothing to ameliorate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I bank with Randolph brooks. My XXXX year old son is on my account to deposit his payroll Checks. In XX/XX/XXXX he mobile deposited a check for XXXX $ XX/XX/XXXX at XXXX XX/XX/XXXX. He then deposited the same check on XX/XX/XXXX. The bank successfully cashed his check. A week later XX/XX/XXXX. The check was returned insufficient. Hello he had already cashed this check. How they did not catch this that day is beyond me. Randolph brooks then takes the XXXX $ out of MY account along with a XXXX $ check fee. Depleting my savings. They refuse to refund my money although this carelessness was completely on them. Im now without bill money for the month. Because of their mistake. I put my trust in this bank, and they completely mishandled my funds. Keep in mind my son does not even have identification. But was able to walk into the bank and cash the check that had already been cashed. He also had a XXXX  balance in his account at time if transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
My credit card company Self Lead Bank has been not reporting my good payment history in accordance with Fair Credit Reporting. 
In addition, Self Lead Bank has been reporting on the days opposite to which they agreed and what is listed in the cardholder agreement. 
This negligence has cause great harm to my credit as I have no late payments, yet Self Lead is failing to report these on-time payments as agreed. This credit card company is doing more damage to my credit than helping my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I applied for and was approved for a balance transfer offer through XXXX. I requested to transfer the entire amount of my current American Express card balance in the amount of {$1200.00}. I received the card in the mail and set up my online account, and saw the correct balance reflected on my card on XX/XX/XXXX. However, I also checked my American Express card and noticed that the balance was not paid off. I spoke with American Express and was told that they had not yet received the payment from XXXX. According to them, the account number that was provided for the American Express account was not mine. I do not know how this could be, as I only hold 1 American Express credit card. I spoke with customer service representatives from XXXX multiple times over the last month, and this issue has still not been resolved. The first person that I spoke with told me that an investigation would take 14 days. When I spoke with XXXX on Monday, the representative told me that it could take a maximum of 90 days. In the meantime, I am currently expected to pay both American Express and my current XXXX card ( including the balance transfer fee ) which both hold the same funds from my transfer. On XX/XX/XXXX, I spoke with XXXX executives and they did a three-way call with American Express. American Express was able to locate the correct account so that the funds could be routed. I was told this would take 24-48 hours. It is now XX/XX/XXXX and the money has still not been paid to American Express. XXXX has now closed the case on their end and I am now waiting for American Express to correctly pay off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
the following account appears on my credit report, without authorization, it does not belong to me, it is hurting me Identity Theft CBNA Account Number : XXXX This is not mine.

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 2021-07-13 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: Porania, LLC
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want htem to be remove. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
I initially mailed a VALIDATION letter to ARS in XXXX of this year ( 2021 ). I only received vague information on their letterhead, nothing proving that the debt could be for me. Next, I submitted a second letter specifically asking for validation, proof ( documents bearing my signature, statements, etc ) and method of verification etc. They in return sent the same letter again. I would like to receive the proper validation I am due by law. If they can not support their claim I would like this collection to be ceased from reporting to the bureaus and also removed from my credit report. This is my last step before going to my hometown court house to initiate a small claims case against HRRG dba ARS.

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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is more about fraud protection. My debit card was stolen while I was caring for my XXXX and XXXX father. I wasnt living at the home where my mail comes, so i didnt receive any type of statements. During this time my debit card was stolen and {$17000.00} of my money was used for online games, and XXXX XXXX transactions. I filed a claim as soon as I found out ( within the approved window ) within 18 hours my claim was denied. I reopened the claim and in 18 hours claim was denied. Even after faxing my police report, my claim was denied. My funds are supposed to handled by a real live person, not an automated computer that used codes to decide if its real fraud. Bank of America has stolen {$17000.00} from my account. By not investigating this account appropriately and with a real live investigator. I have been violated by the banking industry. I cant buy my medications, pay my bills or feed my two children now because a computer said it wasnt possible it was real fraud. Shame on Bank of America for taking advantage of people. They closed my claim because I didnt give proof, but they didnt ask nor did they give me time. I provided a police report the next day and closed my claim 6 hours later.

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 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Mastercard credit card with Citibank. I took advantage of a balance transfer offer on XX/XX/XXXX for a very low interest rate. Since that balance transfer offer, I have also used the card to make purchases. Each month, I pay down the balance transfer balance ( substantially more than the minimum amount required and also pay off the entire balance of my new purchases no later than the due date. Citibank continues to charge me interest on the new purchases each month, again, even though I pay off that balance in full by the monthly due date. On XX/XX/XXXX, I had an instant chat with a customer representative in Citibank. I pointed out the problem, and asked them to review all interest charges on the purchases beginning with the iniital balance transfer on XX/XX/XXXX. They stated they would do it and cxl the interest charges. Furthermore, the representative stated that this interest chargin methodology should not be occurring. My XXXX statement for the period of XX/XX/XXXX through XX/XX/XXXX reflected a reversal of {$2.00}, the interest charged on my previous statement. MY latest statement as of XX/XX/XXXX again charged new interest on the pruchases of {$8.00} even though the purchase balance was paid off by th due date. Today, XX/XX/XXXX, a Citibank agent said that this double tiering of interest rates is how th system works, which was inconsistant with the previous chat with another agent. Can Citibank legally do this??

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