vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Porania, LLC
State: FL

Complaint narrative:
I have tried to contact XXXX XXXX on numerous occasions, via telephone and mail with no success. I have no information about the alleged debt except for the name of the company and telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: OH

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In late XXXX, I was applying to a job online and the application took me to a credit score check which I believed to be part of the application. It turned out it was an ad for a company called Trans Union. Not realizing this was fraudulent, I took the credit test and was prompted for my credit card info ( not for charging purposes, but for one of those " your card will not be charged '' things. ) I entered it, took the test and thought nothing of it until I started noticing these recurring charges on my bank statement for XXXX a month for Trans Union. Having no memory of signing up with them, I got on the phone with Trans Union and asked that they cancel my account. I then looked up their company and found dozens of scam reports on these people. Regretfully, it seems everyone has the same story with them -- took a credit test and unknowingly got taken for XXXX a month. I want to report that Trans Union are frauds and are illegally charging for unwanted services without disclosure.

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 2018-08-23 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/2018, two fraudulent charges were made on my JP Morgan Chase Reserve Card, through XXXX XXXX, each one for {$400.00} USD totaling {$810.00}. Chase refused to acknowledge these charges as fraudulent. I've since filed complaints with the XXXX XXXX XXXX, XXXX XXXX   of the State of New York, CFPB, XXXX XXXX Police, XXXX XXXX XXXX XXXX in the XXXX, NJ Department of Justice, Local Police in XXXX, NJ ( where I lived at the time ), XXXX, The US XXXX in the XXXX, XXXX Internet Crime, and The XXXX XXXX  of XXXX, and my local XXXX. 

I have investigated this case with the assistance of some of the aforementioned entities for the past 4 months since JP Morgan Chase refused to do so. Chase, by law, is required to cover everything over {$50.00} for a fraudulent transaction. Before I file a lawsuit in small claims court, I would like to give JP Morgan Chase the opportunity to obey the law and give me back my stolen money. 

Incidentally, at approximately the same time, my XXXX account and Chase Private Client Checking account were also hacked, along with two of my emails and other accounts. Both XXXX and Chase recognized these as fraudulent transactions and put the stolen money back in my accounts, yet Chase refuses to acknowledge the two credit card transactions as fraudulent?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did a wire transfer 6 weeks ago inside the Bank of America XXXX XXXX bank. The guy who I gave the information to transcribed two numbers incorrectly and didn't notice til I came back a week later asking why my wire transfer had not gone through. So it seems they dropped it in someone else 's account is what they say and they can't get it out. It's been 6 weeks, its not been fixed and they have NOT reimbursed my money to me. They don't return calls and I've spoken to the branch manager, her boss and Bank of America corporate department with NO help whatsoever. Also- I've been a client for 22 years, have bought houses, cars, etc there and this is how they treat you when THEY make a mistake. They are completely incompetent.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Penn Credit Corporation
State: PA

Complaint narrative:
There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, 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 2018-08-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Since XXXX of XXXX, I have been disputing my account with Wells Fargo for my Home Equity Line of Credit ( HELOC ). I have sent certified letters, regular mail and called to speak with the representatives of Wells Fargo. 

I have disputed all of my credit reports with Wells Fargo because they are reporting as if the account is currently delinquent and they are not reporting all of the account payments prior to XXXX. This account has been a charge off account for years and each time that I dispute the account it is re-aged as if it were a new delinquency showing as a collection account, not a charge off account. 

I have spoken with a representative of Wells Fargo and informed him that I received a letter back and it stated that the account is still CONSIDERED collectible with an outstanding balance. 

I explained to him that I have read the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCRB ) as well as the Statute of Limitations on filing with a collection agency and the courts. The representative put me on hold to speak with a supervisor and then explained to me that the account is not scheduled for expedited collections but I will periodically receive letters for the balance. 

I requested a letter from Wells Fargo and that they report the account accurately as stating in the FCRA AND FCRB and that I understand that the word Considered is synonymous with may and that Wells Fargo may file with a collection agency or they may not file with a collection agency, which from my understanding violates my rights. The home was foreclosed on and I only requested accurate filing status because it has stopped me from gaining employment due to inaccurate filing on my credit report, which I believe is an intentional act by Wells Fargo. 

I was informed that notes would be taken and forward to correct any misfiling on my credit reports, which has not been done to date.

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 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There was a hard hit on my credit and the institution making the inquiry is not identified. I called the number provided in the inquiry details and was told XXXX only provides the software they do not do the inquires. Called TransUnion the service reporting the inquiry and can not understand who was speaking and they could notunderstand me. 

Whoever, makes an inquiry on my credit should not be incognito or without my knowing before hand.

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 2018-08-23 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX  still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
The interest rate is 844.8 % I was advised that in the state of New Jersey in which i live, that is illegal, they can only charge 30 % yearly. An {$800.00} loan is going to cost me {$3000.00}. Now don't get me wrong I want to pay my debts but at a fair and reasonable rate. Amplify states that i have to follow tribal laws but i am not a tribesman nor do i live on a reservation. If they are going to sell a product to someone in New Jersey than New Jersey laws need to be followed not their own. I am discontinued payment until a reasonable rate/agreement can be made. I have revoked the ach authorization and expect amplify to honor my wishes and request as stated in the email they sent me telling me they would.

Confirmation from amplify Good morning, This email is to communicate that I have documented and applied your ACH revocation to your account. Amplify Funding does not accept debit/credit cards, so your other payment option would be to mail your payments in or authorize a one-time ACH payment over the phone. Please keep in mind that mail-in payments do take a little bit longer to process and post to your account so please try to mail in a few days prior to your due date to avoid the possibility of late fees being added to your account. 



Although your payments are not scheduled to run through your bank account anymore, they are still due. Your next payment is due on XX/XX/2018 for {$240.00}. Please let me know if there is anything else I can help you with. 





Thank you, XXXX XXXX XXXX XXXX Amplify Funding P.O. Box XXXX XXXX XXXX XXXX WI., XXXX ( XXXX ) XXXX XXXX From : Sent : Thursday, XX/XX/2018 XXXX AM To : Customer Service Subject : Ach revoke Please discontinue ach debits from my bank account. Enable online payments so i can pay online. 



Send email confirmation that you have done so. 



Thanks in advance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: OH

Complaint narrative:
I have placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: NC

Complaint narrative:
To whom it may concern : I've recently checked my credit report and noticed Exeprian has been reporting XXXX XXXX  XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. 

Experian continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later Experian still finds a away to re add someones address, phone number and name to my credit profile. 

I have contacted Experian many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.

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 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Services has failed to allow me to be reviewed for all potential retention options on my mortgage loan. They received millions of dollars of tax payer money, but have kept me at bay for assistance for over four years. I have been through some very difficult times personally and professionally, but am back on my feet and can make a reasonable mortgage payment, if given the opportunity. I am finding it impossible to engage SPS in a constructive conversation to bring my mortgage loan current. SPS seems to want to help since I continually receive letters from them stating they are interested in helping me with my loan and their representatives seem to be trying to get me into a modification. However, their entire process falls apart and my application process never gets beyond the application stage. I am not sure if their representatives can not get the job done or if their process lacks the structural integrity to get me through to modifying my loan, but I am at the point where I would like your office 's assistance to ensure my requests for help gets through the review process of SPS. I have an assigned single point of contact, but they have blocked every effort I have made to save my home. I have never had a full review of my loan for mortgage assistance options. 

Life was going very well until I the company I was working for closed its ' doors in XXXX and I had a hard time finding employment. I paid on my mortgage as best I could, but couldn't keep up. I reached out to get SPS to work with me on a modification, but the process went nowhere and they advised me to stop making payments to get assistance. This was bad advice and now I have a foreclosure date on XX/XX/XXXX. 

I have landed on my feet and am making significantly more income. I also have my husband 's income and our combined income fits into guidelines to qualify for assistance. I want to save my home and I want a review based on my current income. 
The representative I speak with didn't give me any opportunities or chances to resolve this issue and instead make excuses for why I am not getting a review. I am running out of time and am afraid that the big banks are still rolling through homeowners and putting them on the streets instead of doing the work to help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir or Madam : This letter is to request to dispute the billing fraud on my Chase credit card ending in XXXX in the amount of {$850.00}. they closed my case without my agreement and I have asked Chase credit card dispute team to re-open this case, but they still told me that that transaction is still valid. 

In order to support my claim. I have asked Chase credit card dispute team to check the XXXX XXXX security camera at Cashier Window between XX/XX/2017 XXXX -- XXXX ( which is the best evidence ), but they said they can not request the security camera footage from XXXX  XXXX XXXX 
When people need to withdraw the money from the Cashier window, the clerk inside window need customer to copy photo ID and sign the name, when I was trying to withdraw, I need to do the same thing, but the girl inside the window told me that my transaction was declined, I thought my pin could be wrong or there is the limit to withdraw the cash from the credit card, so I left the cashier window empty handed. 
The next morning, I got a phone call from Chase credit card, the agent told me that my credit card has been compromised, I was asked to cancel my current card and send me a new one. 

By the way, I hope the merchant can find out who is the thief in their cashier department. 

Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/2018 I received a call from Midland Credit ManagemenXXXX ( MCM ) the man would not identify himself and was calling my cell phone and asked for a friend of mine who does not live with me. I told him that this was not the person who he was trying to locate and he called me a liar. He was very angry and told me I owed him lots of money and if I didn't agree to pay him he was going to come to my house and kick my XXXX and burn down my house. I became very scared, I called my friend whom the caller was trying to reach to let him know of the situation. He notified the police in the town he lives in just in case there was an issue. I also called the police dept in the area in XXXX XXXX that the business is located. They said they couldn't do anything. 
I have no affiliation with Midland Credit Management. All my debt is current and nothing is in collection status. 
I called MCM and reported the call but I'm pretty sure that they will do nothing to stop this practice. These people didn't speak very good English. I was given this address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation