vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So i want to say on or around XX/XX/XXXX, I was at home getting ready to head to bed an i wanted to check my chase app before sleeping since it was payday. I open the app an see I was charged {$1300.00}. ALOT of money. an it was XXXX to someone. I later found out that a website I used, was breached an had been hacked. It was a computer website that had my card information as I was hoping to pay for something once i payed all my bills. I did not have anything in my cart nor did i save anything. So although i may not know XXXX % that was it since i was told via a friend that it also happened to but i can say i did not spend that amount of money an never will over a website. So chase than never gave me updates nor correct information on my claim than would talk about the case in a way that would be making me the bad guy as if im scamming people when i feel they should be helping me figure this out. At one point i tried to make a example of what it could be an the guy proceed to than assume i was being literal after many times i said " for example '' than would get smart mouthed with me. They than dont show any reasons on why my claim was denied. I want my money back as it IS fraud and with all there research, there isnt a way it is in the favor of being not fraud. I feel robbed an let down by a bank i really liked an felt would help with these things. They didnt help with my claim. I felt more as if i was being integrated rather than my claim being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I don't understand why my mortgage loan amount remains the same despite my owning my home for over XXXX years. If I paid $ XXXX per month ( for a year ) and for XXXX years -- why has my home loan amount remain {$110000.00} -- this is the cost of the home that I had bought over XXXX years ago. 

I await your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
well I think its fake mail ... i have severe mail fraud its obviosly a group of peoplein on everything. im sick of the XXXX people have hotten card loans.. bank accounts u name it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: NY

Complaint narrative:
On my Chase sapphire XXXX card dated XX/XX/2020 I received a bill ( among other fraudulent charges XXXX for {$110.00} from XXXX XXXX XXXX XXXX. I phoned Chase and they credited the amount back to me. Before contacting Chase I called XXXX XXXX XXXX XXXX and they had no record of the purchase. Obviously the card was cancelled and another one issued. I have yet to use the new card. Yet, I noticed the amount recharged on the new card during the most recent bill. I have written to Chase and filed with XXXX to no avail. 

As of today XXXX XXXX XXXX ) someone from Chase purporting to be from the XXXX office ( XXXX ) and named either XXXX or XXXX XXXX voice was muffled, and no call back number or last name was given ), called and said she was going to call me back, I have heard nothing since that call on XX/XX/XXXX, XXXX 

I am not willing to pay this amount ; nor will I pay interest or penalties on something I never purchased. 

I have also asked Chase to describe how they protect my information and that query has yet to be addressed. If I am ever to use that card I will need the answer to that question as well. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Carvana Group, LLC
State: CO

Complaint narrative:
Carvana will not send my license plates or registration. Carvana collected fees from me but no plates. Purchase Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I contracted with XXXX XXXX lawn care for the summer of XXXX. This company constantly call stating that the only way one service can work I had to purchase another service in which I did. One day I was home and noticed that the weed guy wasnt spraying anything and that was probably which I still had weeds. The contract was finished, I paid my balance and then two month later received a collection notification from XXXX XXXX XXXX. I have been sending proof of payment to this company for XXXX months now and every month they ignore me and send me out a new collection notice last one dated XX/XX/1021. I have called this company, emailed my proof, called again and still nothing. I will XX/XX/XXXX if this is illegally reported to my credit report and I paid the balance. It seems that once I didnt want to continue receiving service from XXXX lawn care they sent my account to collections when I had XXXX balance. This collection agency know they should be verifying the accuracy of an account before aggressively pursuing customers. This is fraud that I want reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: KY

Complaint narrative:
I sent a letter to amerifinancial solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, on XXXX asking them to validate a debt that I saw on my credit report. Instead of validating the debt, They sent me a letter on XXXX that contained my medical records with procedures and services done which I know is a direct violation of XXXX regulations. I never signed a XXXX form authorizing them to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Saturday XX/XX/XXXX I received a text message from my bank that my checking account account was negative over XXXX XXXX dollars due to multiple mortgage payments debited by XXXX XXXX. My loan is current and I have never been late and I am set up with auto payment. I tried calling all day but their phone lines were not taking calls and it wasnt until XXXX in the afternoon did I see a social media post about the error and later that afternoon my account was credited back. The amount of stress this caused for the day was unacceptable, and I understand mistakes happen but to not notify anyone all day is unacceptable. I didnt get an email from XXXX XXXX until XXXX at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
After multiple calls over many weeks, Carrington Mortgage Services has yet to transfer my account over to the permanent loan modification that was fully executed on XX/XX/XXXX ( I have the hard copy that was notarized by Carrington as executed ). 

It states that as of XX/XX/XXXX, my balance would be {$100000.00} which includes the {$3600.00} not paid during my forebearance period. My new interest rate should be 2.7500 %. 

I entered forebearance in XXXX of XXXX. 

Since that time, I have made the following payments : {$970.00} on XX/XX/XXXX via phone {$970.00} on XX/XX/XXXX via phone A second payment of {$970.00} via phone on XX/XX/XXXX Once offered a trial modification, I made the following payments in accordance with the trial modification offer : {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone {$950.00} on XX/XX/XXXX via phone I have also made the following payments : {$990.00} on XX/XX/XXXX via the Carrington website {$930.00} ( my new monthly payment per Carrington for the permanent modification ) on XX/XX/XXXX via phone {$930.00} via phone The dates on the loan modification documents don't line up as my first set of documents did not pass Quality Control ( Carrington stated the notary stamp was blurry ). 

I have called and called, been transferred to different departments ( some who state that they can't even see my payments that I have made ), told I will need to make my trial payments ( which I have - and for which they have documentation ). I have been spoken to as if I am clueless about the process and my part in it. One recent representative didn't believe that I had the permanent loan modification documents in hand that had been executed and notarized by Carrington. 

My most recent statement shows a number of adjustments that don't reflect the payments I have made. I addition, most of the payments I have made are sitting in a suspense account, not applied to the balance of my mortgage, and the escrow portions have not been applied to my escrow account. 

I am asking for assistance from your agency as I have had made no progress communicating directly with Carrington. In fact, it is getting worse. Whereas my mortgage statement dated XX/XX/XXXX shows my escrow account at - {$1800.00}, today my online account shows it as - {$2400.00}. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Alliant Capital Management LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX amount {$800.00} was removed from my credit report after an agreement in the winter of 2018. 

The account has re-appeared on my report under Alliant Capital Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: TX

Complaint narrative:
The XXXX  didn't do anything and now I'm coming to you.. Equifax is refusing to handle dispute requests and has been since XX/XX/XXXX. They are failing to due their job when they receive dispute requests I have contacted Equifax on several occassions by mail and even by fax on unauthorized credit inquires and I have even sent letters by certified mail and directly to the attention of the CEO of the company and still no assistant.. Equifax is not even responding back to any disputes and its not just me.. Several people are dealing with these same issues and as consumers it is not right. The CFPB need to hold them accountable or class action law suits should be filed immediately. 

I want the following handled immediately. Unauthorized XXXX- inquiry XX/XX/XXXX XXXX- Inquiry- XX/XX/XXXX XXXX- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Where do i start wrong addresses wrong spelled names wrong ss # wrong phone numbers addresses from 30 years ago they say its factual and will remain and no its not factual or they say it will be removed and then it comes back a few days later 3 years fighting with the big 3 over this im about to take out {$150000.00} loan max out my cards then use the money to sue all 3 and let them report that as factual and let them pay it all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The company took over {$16000.00} in authorized ach payments and blamed the banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: OH

Complaint narrative:
On XXXX I picked up a purchase from XXXX XXXX XXXX XXXX. Included in this order was 2 identical area rugs at a price of {$230.00} each. The entire order I picked up totaled {$1000.00}. 
When we got home and unwrapped the rugs, one of them was the wrong print so we went back to the store in XXXX to return it and were told to return it to the distribution center. At that time, we purchased one additional rug for a price of {$470.00}. 
We went to the distribution center, returned the wrong rug and picked up the the other rug we had just bought. 
On my XX/XX/2021 statement, Synchrony Bank ( holder of the XXXX XXXX XXXX ) entered a transaction amount total for XXXX of {$1100.00}. This total is broken out as follows : End Table {$240.00} Area Rug {$230.00} Area Rug {$230.00} Coattail Table {$320.00} Total {$1000.00} ( Statement total charge was {$1100.00} ) a difference of {$71.00} which I am assuming is taxes however no one has been able to explain that difference to me. 
Also on the XXXX XXXX was the 3rd rug for {$470.00}. 

XXXX promised to credit my account for the wrong returned rug {$230.00} plus tax. 

I have never received the credit of {$230.00} for the retuned rug. I have contacted XXXX on NUMEROUS occasions to no avail. I have went into the store on 2 separate occasions and spoken with store manager XXXX who promised to make the corrections. Nothing has been done. 
In early XX/XX/2021 I contacted Synchrony Bank, holder of the XXXX account and spoke to customer service to explain all of this and see if they can help. I was promised a call back in 2 business days along with an email confirmation. I have heard nothing from anyone. However, they incorrectly opened a dispute on my card for the entire balance of the initial purchase. I am only disputing {$230.00} plus tax for the returned rug in XX/XX/2021. 
XXXX XXXX is impossible to work with, you can't get anyone on the phone and when you go to the store they make empty promises just to get you to leave. I'm looking for assistance to get the credit owed to me. 
I've included a copy of the XXXX statement and the XXXX Purchase order showing the charges. 
Thank you.

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 2021-04-25 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 am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX  did a hard inquiry on me. I did not apply for any credit from them. I dont shop there. I tried to call them and get it resolved with no response and it's still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been having ongoing issues trying to access information regarding my Santander XXXX XXXX XXXX Credit Card. I can not access my pending and current transactions. I have wasted over an hour of my time this morning ( Sunday, XX/XX/2021 ) with uneducated, unknowledgeable and ignorant customer service representatives. One representative had to keep on putting me on hold to check with another department for assistance. Why is he working in the credit card department when he knows nothing? The agent ( woman ) I had spoken to before him was very rude and ignorant. I am really ready to cancel this credit card because of all the issues and their abhorrent customer service department.

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 2021-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: GA

Complaint narrative:
I have been using binance.us to trade crypto currency for 3 months. I have submitted all documents needed and have had no issues. On Friday my account was suddenly locked and said needed verification. I've contacted multiple times ( through email the only way they have for contact ). And I get a generic email stating they aren't allowing and new tickets due to volume. At this point they have cost me {$15000.00}. I would be OK if I could move the money to another exchange but I can't even do that. I have XXXX stuck and no help from the company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: EQUIFAX, INC.
State: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX XXXX  and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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
State: CA

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 effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: RI

Complaint narrative:
I sumited disputes .. that are fraud on my credit reports .. when I now these accounts do not belong to me .. only one credit reporting company has removed the negative accounts .. ( transmission ) Experian an XXXX .. has done nothing to help me or remain the few fraud accounts..

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 2021-04-25 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: GA

Complaint narrative:
I have let all 3 credit reporting agencies know in writing with copies of my ID and ssi card about information that is fraudulent on my credit and asked for the items to be removed and for them to show me the contracts with my signature on it. I spoke directly with Equifax on the phone because after I sent this notirized letter in my score dropped by XXXX points. The representative told me they do not have to send me anything. If the company says my information matches there records then it stays. I asked about what proff do they have it was me since I am letting them know I never opened the accounts. They told me they don't have to do anything but just verify with the company but no documents are provided. I let them know what section 609 says they have to provide under the fcra and they do not care. Also companies are on there putting inaccurate information on my report stating I made a payment in a collection account so they can keep on my XXXX longer. Information that was suppose to be removed under a class action lawsuits still remains and they refuse to remove it XXXX XXXX XXXX Recently an account popped up in my XXXX for a loan they are claiming I got in 2014 which never happened I never even heard of the company XXXX XXXX I have several fraudulent accounts on there that these reporting agencies refuse to remove and so do the companies that are reporting them. Inline of them will give me documents with my signature on it or the credit app or even let me know how it was applied for. I need your help to clear this nightmare up

Company response to consumer: Closed with explanation