vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan was denied my right of credit by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX XXXX XXXX CHASE. I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE on ( XXXX/XXXX/2021 ) via US mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES XXXX INC d/b/a CHASE who took adverse action against me, denying my rights of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. J.P. MORGAN CHASE NATIONAL CORPORATE SERVICES, INC d/b/a CHASE are now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I received a notice from my mortgage company that I didn't have a homeowners policy in force. I responded with the attached letter dated XX/XX/2021. 

I recently received a notice from the insurance company that the insurance hasn't been paid and offered a payment plan ( see attached ) I also have attached the proof that Penny Mac has collected thousands from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my XXXX credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XX/XX/2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX responded to previous complaint that they did not report my payments past due in consecutive months during a Covid 19 related income/job loss in 2020. I am attaching the copy of my Transunion credit report that clearly shows 30 day past due in both XXXX and XXXX of 2020. I previously reported XXXX and XXXX of 2020 but it is actually XXXX and XXXX 2020. THIS IS INCORRECT as I was put on a forebearance in response to the Covid 19 situation.

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 2021-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: VW Credit
State: TX

Complaint narrative:
I was pressured into signing for a car that I as an XXXX yr old can hardly get in or out of ... my wife can't get in or out without a lot of pain or help the car is a 2021 XXXX XXXX... I have talked to VW leasing to explain my dilemma to no avail... they will not release me from my contract..I spent many hours reviewing paper work and numbers that day and do not think I was thinking clearly when I was explained the terms and my not being able to get out of the deal at all not even after thinking about it and experiencing the hardship of getting in and out of the car... This took place only a few weeks ago on XX/XX/2021 and I have driven the car only a few hundred miles mostly to take my spouse to Drs appointments ... .The car dealership was Volkswagon of XXXX Texas and VW leasing is the financial institution ... I would appreciate any assistance you can provide me... thank you in advance XXXX XXXX, XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: CORELOGIC INC
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not 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 2021-11-21 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: I.C. System, Inc.
State: TX

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not 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 2021-11-21 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XX/XX/2021 I SENT A LETTER TO CREDIT ACCEPTANCE ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO XXXX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER 12,000 THEY STILL HAVEN'T UPDATED THE REPORT. XXXX SAID IT CAME BACK VERIFIED. HOWEVER CREDIT ACCEPTANCE SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX. XX/XX/2021 XXXX {$1000.00} XX/XX/2021 XXXX {$1000.00} XXXX. I know the transaction was unauthorized because I was told by the scam customer service rep that I needed to provide my cash app handle to verify my account with cash app. They said I needed to call XXXX to protect my account. Then I started receiving request they said verify it and it would secure me cash app and then they hung up and never answered again. Then I contacted cash app support and reported a scam immediately. 
XXXX. XXXX XXXX California, the fake cash representative was located in XXXX according to phone records. 

XXXX. I provided my cash app handle and account balance XXXX. I instructed to download a trust wallet app by fake cash app representative. Police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2021 I SENT A LETTER TO XXXX XXXX ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO EQUIFAX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER XXXX THEY STILL HAVEN'T UPDATED THE REPORT. EQUIFAX SAID IT CAME BACK VERIFIED. HOWEVER XXXX XXXX SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I placed an online order ( # XXXX ) with XXXX to purchase a wood chipper in the amount of {$1100.00}. I paid for this purchase using my Lowes Synchrony credit card. The estimated deliver time was two weeks. 
The credit card statement was received prior to the delivery of the item being delivered and I paid the credit-card off. 
The tracking of the purchase showed that the item was in XXXX for almost a month waiting to be delivered. 
On XX/XX/XXXX XXXX, I called XXXX  and spoke with XXXX who sent me an email stating my refund would process in the amount of {$1100.00} on XXXX On XX/XX/XXXXXXXX, I called XXXX and spoke with XXXX who sent me an email stating my refund would take up to thirty days to fully process. This is in conflict with XXXX policy for refunds as stated on their website at XXXX XXXX XXXX XXXX XXXX which states Purchases made with a debit card will be refunded as cash or credited back to the debit card, which may take up to 15 days. 
XX/XX/XXXXXXXX XXXX, A dispute was filed with Lowes Synchrony credit card and all of the supporting documents, including the emails from XXXX indicating they would be processing a refund were upload to the website. 
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX  XXXX indicating that Great news! Your order placed on XX/XX/XXXX2021 was successfully delivered. Thanks again for shopping at XXXX  The item was not delivered. 
On XX/XX/XXXX2021, I received an email from XXXX with Synchrony XXXX asking for my feedback on how they did resolving my dispute. 
On XX/XX/XXXX, I called the credit card company and they indicated the case was closed as XXXX indicated that no refund was due. The claim was reopened, and I was told that it would take up to 90 days for the investigation. 
On XX/XX/XXXX, I called XXXX ( XXXX ) and spent over an hour on hold on the phone with an agent who said they were attempting to resolve the issue and never returned to the call. 
On XX/XX/XXXX, A dispute was filed with the Consumer Financial Protection Bureau

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I have been a victim of identity theft and current bank and XXXX XXXX refuse to reimburse my money even though I have a police report and have sent them all the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: AFNI INC.
State: TN

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX my Chase Visa card was charged {$120.00} for a yearly XXXX recurring purchase even though my credit card was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: WA

Complaint narrative:
On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, Equifax and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21 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: WA

Complaint narrative:
On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, XXXX and Experian with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.

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 2021-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account has been hacked. There was an attempt to steal {$9500.00} from my checking account. Bank of America did nothing to alert me that " XXXX XXXX '' was added to my account in order to verify the validity of the vendor. The perpetrator was able to successfully verify the " connection '' to my account without any of my personal information ( address, e-mail, phone numbers ) being changed. Bank of America failed to contact me to verify the account addition. In about two weeks my friend 's account at Bank of America was hacked in exactly the same way by the same " XXXX '' for {$9600.00} even after Bank of America was notified by me that the " XXXX '' was a fraudulent account.

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 2021-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
In late XXXX and early XX/XX/2021, I sold XXXX video game consoles to someone named XXXX XXXX on XXXX XXXX. The consoles were paid for through PayPal because XXXX doesnt allow for $ XXXX shipping transactions. I corresponded solely with XXXX XXXX on XXXX for the sale of all XXXX consoles. He gave me XXXX separate PayPal emails to request from over the period of business, and all requests were fulfilled loading the full balances below into my accounts. The XXXX transactions are from my personal PayPal ( XXXX ) and my fathers account for the XXXX transactions ( XXXX ) because my account wasnt letting me send money because of an address change at the time. 

Transactions : XX/XX/2021 for {$760.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX I shipped all XXXX consoles to the same address for XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These are the tracking numbers for each of the shipments : Shipments for XXXX XXXX, XXXX XXXX and XXXX XXXX had these tracking numbers ( not sure which is which ) : XXXX Tracking number : XXXX XXXX Tracking number : XXXX XXXX Tracking number : XXXX Shipment for XXXX XXXX and XXXX XXXX ( XXXX consoles shipped together ) : XXXX Tracking number : XXXX XXXX by XXXX the buyers raised disputes, holding the money from me and were all decided in the buyers favor by the buyers financial institution, removing each balance from the PayPal accounts. Each dispute notes mine and my fathers XXXX XXXX though we didnt receive any help after submitting tracking details, conversations with the buyer and even evidence that XXXX of the PayPal XXXX I dealt with no longer was a valid email. 

In addition, PayPal took another {$15.00} for each of the XXXX transactions for dispute fees because we lost the dispute. 

In summary, money was requested from the PayPal accounts provided to me by XXXX XXXX. The money was sent to me in PayPal. I shipped the consoles as promised and they were all delivered. Once received, the customers disputed the charge with their financial institution and PayPal told me that there was nothing they could do with helping as it was the buyers financial institution. I also spoke with representatives from PayPal numerous times ( was also disconnected after waiting on the phone ) and they said that they could escalate but upon following up then was told that they could not do anything to help. 

I am attaching conversations with XXXX XXXX and XXXX XXXX. Tracking numbers can also be checked.

Company response to consumer: Closed with explanation