vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
My credit cards were stolen on XX/XX/2020. I received a fraud alert text from Chase Visa on XX/XX/2020 asking me if a {$1000.00} charge occurring at XXXX at that time was mine. I responded to the text that it was not my charge and that my card was stolen. Chase responded to my text saying that they would secure my account and send me a new card. Then I called Chase Visa fraud department immediately and explained the situation to them and that the recent charge was not mine. They said they would take care of the charge and remove it from my account, which they did. However, a few days later the charge was added back to my credit card account balance. I have contacted Chase Visa multiple times, the first by phone and then by email to a name given to me during the first phone call. The response to my first email was a request for a police report number, which I provided a few days later. I have not received any response since then and the fraudulent charge has not been removed from my account. My credit card bill is now due but I don't intend to pay the fraudulent charge. Although I did report the theft and fraudulent charges to the police, Chase is not allowed to require me to do that. Also, they have not give me any notification in writing of my rights regarding the fraudulent charge, what they will do about it, when they will respond, and the result of their investigation. I am very concerned that they will charge me interest and late fees on the charge, which they are not allowed to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: CA

Complaint narrative:
I recived a response from you on XX/XX/2020 and on the XX/XX/XXXX. 
Theres only one way for you to see if its me doing this. 
Id like to serve you how ever you sent me a po box

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 2020-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I own a XXXX XXXX  in XXXX SC and my vendor is a XXXX based company so I felt that dealing with TD bank was a no brainer they also being XXXX based. Due to the Corona virus pandemic my company requested we pay with card as to not be passing checks to drivers or dealing with more mail than necessary and to offset them losing money to people not being able to pay due to the virus. On XX/XX/XXXX I paid them {$20000.00} and then on XXXX I paid another {$7900.00}. I was looking over my bank acct statement later and noticed these charges totaling {$850.00} ( {$610.00} and {$230.00} ), I XXXX  the the payee ( XXXX XXXX XXXX  ) and found that TD started charging in XXXX a 3 % fee for paying out of country. I tried to speak with the local branch in XXXX XXXX who only said it is a legitimate fee, I asked my bank in XXXX who spoke to someone higher who said nothing they could do, I called the customer service number and XXXX XXXX. No one seemed willing to discuss it or care to actually hear my complaint. I feel they took advantage of me during a time of crisis, I have always paid by check but was requested due to the virus not to send checks. If I go to a non TD atm I get a warning about a fee that will be charged, would it not be a good idea to say hey you are going to be charged {$850.00} if you make these payments? They say they sent out the information but I do all my communications through email as I am rarely at home and do very little mail service, so I can assure you I had not seen this charge announced or I would have never given up a weeks pay to send money to my vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I refinanced with the same Mortgage company ( Quicken Loans ) in  XX/XX/2020. My first refinanced payment was due XX/XX/2020. I was already previously set up on Auto Pay and when the new refinance happened was under the impression that the Auto pay would in fact continue.I am currently since XX/XX/2020 set up on Auto Pay. However the auto pay did not transfer and i have called and spoken with XXXX & XXXX in Consumer Relations and they said to me that the 30 day late was valid and would NOT do anything to adjust this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: IN

Complaint narrative:
I want to kno why I have a wreck less driving on my record still isnt it past the time frame to where it shouldnt be showing up anymore. Its XXXX  anyways just cuz it says wreckless driving u all dont kno the situation of what happened anyways .. so until the whole story is known its not fair that I have a XXXX  driving charge on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I utilized the mobile capture to deposit two unemployment checks from the state of Florida on a XXXX XXXX account to my American Express Serve account. American Express directed me to use XXXX XXXX XXXX. Which I did, however, I received an email from XXXX " Transaction Notice! 
Your check transaction is not approved. 
Unfortunately, we are unable to approve your check Transaction ID XXXX dated XX/XX/XXXX. Your check will not be processed and the funds will not be added to your Serve Accounts Available Balance. 

Your check has not been processed. Your check remains valid and may be deposited or cashed elsewhere at a later time. 

Checks may not be approved for a variety of reasons, including : Check was not endorsed Check images are illegible Check was not written to you as your name appears on your Serve Account A properly voided image of the check was not received You can view all of your Mobile Check Capture by XXXX XXXX transactions in your Serve Transaction History under View Transactions or by tapping My History on the XXXX XXXX welcome screen within your Serve Mobile app. 

If you need to resubmit your voided check image, call XXXX XXXX at ( XXXX ) XXXX. 

I called that number to find out why I was unable to deposit the checks but no one answered although I was first in line. I waited each time I called for up to 30 minutes. I reached out to American Express, who were unable to reach anyone at XXXX or provide me with an answer. I call American Express several time and was either misdirected or sent to someone who eventually disconnected the call. 

I am thinking that this is unfair and deceptive as American Express is utilizing a third party vendor/provided that is a ghost. Even their employees are unable to reach the so called vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This message is to inform the public of I C Systems collection agency in XXXX XXXX, Minnesota. This company continues to report a paid debt to the credit bureau. The debt was paid in 2017. The debt was addressed with the company in XX/XX/2017 via email correspondence. A receipt of payment has been submitted multiple times over the past 3 years about this debt. Im interested in pursuing legal action again this company.

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 2020-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo issue - I transferred money as payment for an item, the receiver is unable to access his account and asked that I have the charge reversed. The funds are now in Venmo " limbo. '' It has been 5 days. The receiver can not access and Venmo refuses to refund my money. 
Payment ID # XXXX Request # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EZCORP, INC.
State: TX

Complaint narrative:
The debt collector stated i owed money for a company i never heard of, they were rude and threatened to send authories to my work site. I asked can they send me a writted verification letter of debt and they told me they were not going to and does not have to. I have the phone number attached XXXX. When asked to speak to supervisor about the previous worker spoken to the supervisor threatend and cussed me out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: OH

Complaint narrative:
I wrote letters to the credit bureaus and the following companies listed below about unauthorized inquiries on my credit file. I did not receive a response from the companies listed below and the credit bureaus didn't give me correct information with the companies authorization to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from 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 2020-07-14 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from 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 2020-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MA

Complaint narrative:
My identity has been stolen. An account was opened up with Cash App in XX/XX/2019. I have been attempting to contact this bank every since. In order to contact them, you must sign into your account. As I do not have the information for the account, I can not sign in and contact them. 

I have been attempting to contact their fraud department for over a year now with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not allow XXXX to synch with my banking accounts at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-14 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: TN

Complaint narrative:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY.

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 2020-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
I have submitted my mortgage payment for XX/XX/2020 twice to the mortgage lender, Carrington Mortgage LLC for VA XXXX XXXX, and twice, the lender rejected the payment. The second payment was a teller check sent via XXXX, tracking XXXX. XXXX. Carrington rejected the payment and sent it back via regular mail without any form of tracking on XXXX XX/XX/2020 to XXXX. As of today, XXXX has confirmed that they have not received the returned check. XXXX can not cancel the check until after 90 days from date of issuance. Carrington now has notified me of an intent to foreclose my property despite my attempts to pay my mortgage. They are demanding a payment that I have already made twice and can not issue another check since the returned check is not in the possession of XXXX or myself. I spoke to the VA and was advised to file a payment complain here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently checked my credit score and found unauthorized inquiries into my credit history by American Express. The dates of the AE inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've never contacted American Express. All of this was done without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I book vacation thru website XXXX for a trip to XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I used my Chase Visa debit card to make payments of 6 equal payment of {$350.00} to XXXX. First charge was XX/XX/XXXX, second charge XX/XX/XXXX, third charge XX/XX/XXXX, fourth charge XX/XX/XXXX, Fifth charge XX/XX/XXXX. The last final charge was not done because XXXX XXXX  on XX/XX/XXXX issued a notice on their website that my resort booking was cancelled automatically and my last will not be taken. No one at XXXX has answered their phone, texts, or email. I filed with Chase debit back in XXXX, got provisional refund but Chase reversed the charges 2 weeks ago. I contacted Chase again to day and agin was denied because chase stated thats Visa not Chase is not liable for any charges beyond 120 days from the first charge back on XX/XX/XXXX. I stated that XXXX closed their doors and stop answering any questions on XX/XX/XXXX. I filed services rendered in XXXX. Chase still insisted that i didnt file in a timely matter, which is 120 from first charge. My total amount is 5 chase debit payments of {$350.00} = {$1700.00} and a initial {$40.00} payment to XXXX on the initial confrontation. Total of {$1800.00}. 
I have all Chase Visa debit transaction details printed and also XXXX statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Collection Services, Inc.
State: CO

Complaint narrative:
I owed a debt with XXXX of approximately {$900.00} for services provided in XX/XX/XXXX. 
In the end of XXXX I received the first statement dated XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX and put this debt on a payment plan of 12 payments of {$78.00}. This amount was debited on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$310.00}. 
On XX/XX/XXXX I received a notice from the company XXXX XXXX stating that this account was overdue and it was sent to collections. 
On XX/XX/XXXX I called XXXX ' billing department, spoke with XXXX XXXX ( supervisor 's name is XXXX XXXX ). XXXX was able to verify that I setup a payment plan via phone on XX/XX/XXXX and informed me that due to a XXXX ' internal accounting mistake this debt was sent to collections even though I was making the payments on time, per the agreed upon payment plan. 
I believe that this was done in bad faith, and that XXXX sent my debt to collections with the intent to intimidate me, giving me no option but pay the debt in full, even though we had agreed on a 12 month payment plan. 
I felt threatened and afraid that this debt would be reported to the credit reporting bureaus and therefore paid the remaining debt in full on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 XXXX - {$490.00}. 
XXXX XXXX - {$2400.00} both unauthorized transactions taken from my checking acct. 

Contacted fraud division of Bank of America and filed a complaint. They researched said transactions were authorized closed investigation

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