vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Sunday night XXXX CST, XX/XX/2021 Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX # XXXX Term Id : XXXX Chase ATM stole {$750.00} Cash from my deposit due to Malfunction. 

I went to the local drive up ATM at Chase bank. New Customer with Chase and I needed to deposit Cash- {$1000.00} total. 

The Machine said it could take a maximum of 30 bills so I deposited a stack of 5, $ XXXXbills and XXXX, {$50.00} bills -- XXXX total bills. The machine then began to malfunction and spat back 5, {$50.00} saying that they could not be deposited. The machine then crashed and printed out a receipt telling me to call in to see it the deposit went through. I checked my Chase app and of nothing was deposited. I called the customer service line and no one was available to speak to and they automated line said I had no deposits. 

Things I have : A physical receipt from the ATM that does not mention dollar amounts, but a phone number with a code? 

The Bank should have security footage : I drove up to the ATM twice afterwards to document the camera angles and photograph the area. And also check my balance which never changed. 

I Started at Claim with Chase and they gave me a temporary {$750.00} on my account -- on XX/XX/XXXX, they said they closed the claim and nothing was found, stating they will take back that {$750.00}. 

They said there was not surplus in the machine and refused to look at the security footage. They said the cameras were there just for Theft and the police department could only get a hold of it -- I called the XXXX Police Department to file an investigation as well. This is theft. 

They said I can fax in the physical receipt and they can reopen the case but the person on the phone that will probably not really do much. 

The ATM Stole my money and I need assistance, it is incredibly frustrating. Please assist as I can not even get a hold of a sound person at the physical bank -- and only call center people from out of the country. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Good Afternoon, I was contacted by Tower Loan XXXX XXXX Mississippi stating I owed an old debt because a bankruptcy was dismissed. She said my Name is XXXX may I speak with XXXX XXXX I replied this is he she stated this is XXXX with Tower loan we have a balance here of $ XXXX. *** and if you dont pay me today we will take you to court. How would you like to pay this. A little shocked I replied XXXX  monthly and got off the phone. I called back and explained she broke the law by threatening these sections and why did she do it. I then asked for a letter explaining all of the above including why the account was reported as closed on my credit report. I need help with 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
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX  XXXX and XXXX. Please remove all from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/21, I applied for what I thought was a CapitalOne Quicksilver card. 

On XX/XX/21, I discovered an annual fee on the card, which was a surprise. I called CapitalOne and spoke to XXXX.The Quicksilver One and the Quicksilver look visually nearly identical ( gray with concentric circles ), and apparently, I clicked the one with an annual fee in lieu of the one without. He did not waive the fee nor allow me to upgrade the card. I called later and spoke to XXXX at CapitalOne and he said I would have to close the old account and apply for a new one. 

I then spoke with XXXX from the new applications team. We went through the application process, only to end with a decline of my application. My credit score is impeccable, unsure why I'd get declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: RFNA, LP
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... REPUBLIC FINANCE XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: OneMain Finance Corporation
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** ... XXXX XXXX XXXX**** ... ONEMAIN XXXX**** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX MIDLAND CRED ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The reason I have this complaint against Select Portfolio Servicing- hereafter referred to as SPS- is because, they made my loan in forbearance without me asking. This has put me in a legal bind. Though I have made all my payments as agreed I am now not able to refinance my home due to the Forbearance that I did not ask for. I need to refinance my house due to a commitment in divorce agreement. During the divorce proceedings the judge told us that if I wanted to keep my house, I needed to refinance and pay my ex-husband the amount of {$50000.00} from the proceeds. 
Last XXXX I received a letter from SPS advising me that I could do a program that was approved by the Government where there was no need for me to make mortgage payments on my mortgage. 
Curious about the letter I inquired to what this program was all about I called, but I never got more paperwork explaining the way this program was going to work for me and my balance, so I continued making my regular payments on my mortgage as agreed. 
Sincerely yours, XXXX XXXX XXXX XXXX SPS Loan # XXXX SPS ( XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/2021, I called National Credit Adjusters reference two account that were transfer to their company from XXXX XXXX XXXX XXXX XXXX. The two credit accounts one has a balance of {$400.00} and the another account has balance of {$420.00}. The two credit accounts were charge off and National Credit Adjuster is reporting the two accounts to the credit bureaus with an balance of XXXX for one account and {$420.00} for the another account. Furthermore, National Credit Adjusters have continual to call my job several time at XXXX XXXX XXXX XXXX, and I asked the company not to call me at work, but they continue to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I initially intended to pay a portion of an account balance at Bank of America with another card, but before it was processed decided to use other card. I contacted the transferring company and was told that the transfer had not and would not be processed. They processed it afterwards anyway. I believe was done so they could charge transfer fee. At any rate, because I had paid off Bank of America account with another card, Bank of America was overpaid {$800.00}. I immediately contracted them, XXXX  of XXXX  and was told the overpayment would be sent back to the paying entity. That it could not be returned to me directly in order for me to ensure the payment was sent. I then received a letter dated XX/XX/21 that indicated the money had been returned to the paying entity. When I didnt see the credit, I called Bank of America, on XX/XX/21, and was told that they tried to process return on XX/XX/21, a full week before the date of the letter telling me it had been paid, but that they could not get it to go through. They then said they had instead sent a check directly to me at my home address on XX/XX/21, even though they had previously told me that could not be sent to me. I spoke first with XXXX, and then with XXXX, a supervisor on this occasion. When I had not received the check by XX/XX/21, I called Bank of America again and was told that check was sent, but that they would put stop pay on it and instead deposit it directly to my bank account. I spoke with XXXX that time. Gave him information needed to make deposit. On XX/XX/21, after still not receiving the check that was supposedly sent, nor having amount deposited into my account, I called Bank of America again. I spoke with XXXX who told me she didnt see check being sent to me on XX/XX/21. She then tried to get a manager, as she did try to help. She was told to tell me to be patient! After over a month of trying to get back money that they should mot be holding! Then spoke with XXXX XXXX, who said he is a manger in Arizona, who said he would send to escalation department that should have answers as to what is going on within 24-48 hours. I have no reason to believe anything anyone at Bank of America says.

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 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: PA

Complaint narrative:
I contacted this company due to a bill of {$3400.00} showing on my credit report which I wanted validated because I have no knowledge of this bill. I sent them a request for validation on XX/XX/XXXX and they did received it on XX/XX/XXXX at XXXX XXXX in their offices I gave them 30 days to reply but I did not received anything from them I gave more time and again wrote them on XX/XX/XXXX and they received the letter in their offices on XX/XX/XXXX at XXXX XXXX and today is XX/XX/XXXX and I never have received a letter from them and was advised by my lawyer to submit the complaint here because by law the only have 30 days to validate the debt and since they received my first letter on XX/XX/XXXX over 90 days In which I have not received a reply and due to their actions in failing to responding me in time and not receiving any letters from them I want this account deleted from my Credit Report. I will send attached documents and the certified mail receipts for further proof. This is irresponsible from them and this is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

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 2021-03-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: PA

Complaint narrative:
I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review the following : Fraudulent items listed on my credit report are XXXX XXXX XXXX XXXX {$11.00}, XXXX XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$30.00}, XXXX XXXX XXXX XXXX {$0.00} and XXXX XXXX XXXX for {$43.00}. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX XXXX and XXXX. Please remove all 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 non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuses to investigate and remove fraudulent inquires on my report, I have requested numerous times for the deletion of fraudulent inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: The CMI Group, Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ... CREDIT MGMT ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : 01 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation