vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$600.00}, {$1200.00}, {$560.00}, {$190.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

-ACCOUNTS- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 


-STUDENT ACCOUNTS- 3. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$560.00} -This is not my account. 

-COLLECTION ACCOUNT- 5. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$190.00} -This is not my 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 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I had over 20k taken from my Chase account back in XX/XX/XXXX due to 3 fraudulent check ( s ) that were written and I was told that they would not reimburse me for the phony check. The check was not a check we wrote but was created and cashed by someone who had access to a previously written check and duplicated it. Even the check number was inaccurate. I am shocked that they are denying this claim as it is clearly check fraud. I need them to reimburse me for something that is clearly not our fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on XX/XX/2015 I deposited a check in my account and my account was closed after that. 
the funds were put into suspension. I have no access to my account. I want the check to be returned to the issuer of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I ran into a finacial hardship and attempted to submit an application to my mortgage company for their hardship assistance program. When I first spoke with the mortgage company, I was advised that the process would take 30 days to review my application after it was recieved. I was also told that I would not occur any late fees while the application was being revewed. 
After I initially submitted my application in XX/XX/XXXX, I recieved a letter stating that more documantation was needed for my application. I faxed in several supporting documents including my pay subs, my HOA agreement, and other supporting documents. In XX/XX/XXXX, I received a letter stating that my application had expired since I did not responed with the needed documents within 30 days. I resubmited the entire application along with all of the supporting documents. On XX/XX/XXXX, I recieved a letter stating that my appliction was denied becasue I never sumbmitted my HOA agreement ( which was previously sent in twice ). The letter was dated XX/XX/XXXX and gave a deadline of XX/XX/XXXX to have the documents returned. No comunication was made in regards to this needed documantation besides the letter I recieved in the mail on XX/XX/XXXX. I called into the office of the president as soon as I got the letter, and was told that my application had been denied since I did not get the documents in before the deadline, but as a courtesy they were wiling to reopen the application. I resubmitted my HOA agreement the next day. I received a phone call on XX/XX/XXXX stating that underwritting would not accept my application since the HOA documents did not contain the monthly due amount. After reviewing the document with the agent on the phone I was able to point out that the documents did in fact have the due amount listed on the document. 
At this point I was told that they would follow up with underwritting. I recieved a phone call on XX/XX/XXXX stating that they were unable to process my application again. This time I was told that although they were able to reverse their decision on my HOA documents, now all of my pay stubs and bank statments were too old and I needed to resubmit current documents. I was told after I resubmitted these docments it would take another 30 days to review my application. 
Durning this applicatoin process my wife and I were unable to move foward and develop a plan to bring the account current since we were waiting on the outcome of our assistance request. Although the mortgage company admitted that they told us that we would not get charged any late fees while we going through the application process, they advised us that in fact they had been charging us fees the entire time. The mortgage company admitted to their mistake and waived 1 months worht of late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used a Capital One Visa card to make a prepaid hotel reservation on XXXX on XX/XX/XXXX, for a hotel stay from XX/XX/XXXX to XX/XX/XXXX. However, the website experienced a glitch and the confirmation I received was for XX/XX/XXXX to XX/XX/XXXX. I contacted XXXX, which informed me that the hotel itself ( XXXX XXXX in Washington, DC ) processed the transaction, and asked me to work with the hotel to resolve the issue. 

I contacted the hotel and asked them to correct to booking. They informed me that they were unable to change the booking because the dates I booked ( XX/XX/XXXX - XX/XX/XXXX ) are not available. I then asked them to cancel and refund the booking, They told me that the booking was made on XXXX, and instructed me to cancel the booking on XXXX so they can refund me and resell the room to another guest. I followed their instructions and cancelled the booking. Several days after the cancellation, I still had not received the refund. I contacted the hotel several times and received no reply. 

I opened a dispute with Capital One in late XX/XX/XXXX, and provided them with the above information. Capital One got back to me in early XX/XX/XXXX with a rebuttal from the hotel along with the ( incorrect, XX/XX/XXXX - XX/XX/XXXX ) booking confirmation. Capital One asked me to provide proof that I indeed booked the XX/XX/XXXX - XX/XX/XXXX dates. I provided them with a screenshot when I made the booking. However, Capital One told me that this is insufficient, and unless I can provide a booking confirmation with the correct dates, they won't continue with the dispute. I told Capital One that since the website had a glitch when I made the booking, I have never received the correct booking confirmation, which is the reason I opened the dispute in the first place. The Capital One representative then told me that " their hands are tied and won't continue to work with the dispute unless I can provide the required information. '' I believe Capital One/Visa does not have the consumer 's best interest in mind, and the documentation they require is unreasonable in this case. How would a consumer has a correct receipt when they were issued an incorrect one in the first place, resulting in the dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
This is an addendum and correction to complaint number XXXX. I made a mistake when I stated on XX/XX/XXXX at XXXX XXXX  Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). I meant to say on XX/XX/XXXX t XXXX XXXX Pacific time I received a phone call from XXXX XXXX ( see attachment 10 ). 

We spoke for 8 minutes and 37 seconds. She never mentioned an additional amount due, sated in the letter on XX/XX/XXXX ( attachment 9 ). She said that underwriting had received all of the documents and everything was fine. 

Please note ( attachment 11 the XXXX envelope and the tracking number information shows that the letter dated XX/XX/XXXX attachment 9 was sent the next day on XX/XX/XXXX after I spoke with XXXX XXXX see attachment 10 for 8 minutes and 37 seconds. I understand that the calls are recorded. I would like a copy of that conversation. 

XXXX XXXX is the person on most of the documentation that I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Contributor : SUNTRUST BANK Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that SunTrust bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



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 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
This is on a Synchrony Card issued on behalf of Amazon. After having the card for some time, a 'security fee ' started showing up out of nowhere. It was several months before I noticed it, as I carry a balance on the card and assumed it was interest. I called the separate 1-800 number issued on the ( online-only ) statement and they were reluctant to do anything, but agreed to remove the fee. I contacted Amazon and reported it as fraud, as unauthorized charges are just that. They reversed it. It disappeared for a month or two but now it's back. There needs to be a class-action suit on these deceptive fees. The amount now that I owe on these " fees, '' of which I don't even know what they cover, is around {$50.00}. 
I will again contact the number for the pirate-fee devils, as well as Amazon. 
I hope to have it resolved. 
If it shows up again, I will contact our state attorney general, as well as the CPFB again, so hopefully it can be resolved for myself and I assume hundreds of thousands of others who shop at Lowe 's, Walmart, Amazon, etc and carry a card through Synchrony. 

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 2019-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I realized 2 days before my payment was to be drawn from my checking account that I didn't have the funds available so I went to a local store ( XXXX XXXXXXXX XXXX ) for a XXXX XXXX ( reference # XXXX ) to satisfy the debt OWED I Payed the ( XXXX ) owed on the loan an additional fee ( XXXX ) to express the payment for a total of ( XXXX ) and then my checking account was overdrawn due to checking taking out the funds and charged an additional over draft fee of ( XXXX ) but i had already paid through XXXX XX/XX/2019 at XXXX XXXX XXXX, when I called to inquire what happened ( checkngo online ) they said I never called back for a code to assure I made payment ... NO ONE told me that I needed to do so, I went to the local ( Checkngo store ) and they told me nothing can or will be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: NY

Complaint narrative:
On XX/XX/2019, PayPal made my remaining Account balance available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Early Warning Services, LLC
State: GA

Complaint narrative:
Contributor : XXXX XXXX Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that XXXX bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: KEYCORP
State: PA

Complaint narrative:
Account : XXXX www.keybank.com XXXX, OHIO USA Keybank is taking the interest rate 5.94 % on the outstanding balance each month any computing the Statement Interest incorrectly. They are computing the number of days incorrectly.

Finance people who financed the loan via key bank was for 54 payments of {$450.00} I make all the payments ahead of time and I should only be incurring about {$100.00} a month instead paying extra money for their creative ways of calculating number of billing daysl 1st pay statement on XX/XX/2019 is being charged 45 days at a compounded daily rate of 5.945 / 365 days = .000016274. They used start date of XX/XX/19 Problem 1 date range is from XX/XX/2019 to DUE date XX/XX/2019 ( 45 days ) Charging me on XX/XX/2019 for future dates? 
Also note : online in indicates loan did not start until New Loan XX/XX/XXXX 2nd pay statement on XX/XX/2019 is being charged 37 days Due Date XX/XX/2019 This is really BAD - Apparently it looks like they are using a date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 37 days.

they already charge me for up to XX/XX/2019  in the 1st statement. DOUBLE CHARGING me an extra 6 days. 
3rd pay statement onXX/XX/2019 " SAME THING!!!!

38 days Due date XX/XX/2019 - They used date range of my last payment date of XX/XX/2019 to the future Due Date of XX/XX/2019 to come up with 38 days.

DOUBLE CHARGING me an extra 8 days. 
If there computer program is doing this to all their loans they are over charging customers that are paying as soon as they get the statement. 
With the size of KEYBANK this could be MANY MANY THOUSANDS OF DOLLARs that they are illegally charging consumers. 

See XXXX attachment, Copies PDF 's of statements and EMAILS from Keybank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: CO

Complaint narrative:
A credit card account was opened on XX/XX/2019. {$210.00} is up for collection and I'm not aware of this account. I didn't open it. I have disputed it but it still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a claim with my bank Wells Fargo for a transaction I paid for using my debit card with XXXX logo. I had been informed my purchases were protected. Wells Fargo closed my claim inquiry. I asked them why it was closed and they told me I would need to contact the merchant directly as I used a 3rd party app to pay for the service I did not receive. I know countless people who have used 3rd party apps and the validity of their claim was not based on who processed the payment.I paid a merchant for a service I did not receive and I have text communication from that merchant that proves I did not receive the service. I need to have the claim reopened so that I may provide the documentation that supports my claim. Wells Fargo did not even request supporting documentation. XXXX or Wells Fargo should refund my money.

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 2019-10-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: WA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TX

Complaint narrative:
Equifax is aware that I am a victim of ID Theft. Yet they are still reporting information on my report that I have not authorized. Despite numerous attempts to have this INCORRECT information removed, it is still being reported. With this incorrect information being reported,. Equifax is aware that I am a victim of Identity Theft, yet they still have not removed it from my consumer file. They haven't sent any documentation with my as to why they believe the account is mine. Here are the incorrect accounts, as well as inquiries listed on my report. Following accounts are due to identity theft : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-23 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2019-10-23 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: EQUIFAX, INC.
State: RI

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX****, XXXX/XXXX XXXX**** and XXXX XXXX** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief