vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020 4 fraudulent transactions at a XXXX in XXXX, GA for a total of {$830.00}. 
Claim number XXXX The fraud was executed by calling me from a spoofed phone number made to imitate Chases own customer service number. They posed as if my bank account had been used in Texas. They then proceeded to walk me through, with great accuracy, the steps to replace my debit card. While asking me the requisite questions they supplied me with a two-factor code to verify my identity. 

That code was instead used to add my debit card to a XXXX XXXX XXXX, a service I havent ever used. They then proceeded to make the fraudulent charges. 

I have filed and re-asserted my claim that this was fraud and I shouldnt be held liable but Chase has shot both of those claims down. All under the pretense that me giving that two-factor code to them justifies the dismissal. My last conversation took place on XX/XX/XXXX. The agent would not re-open my claim. I asked to speak to a supervisor and was told I would be contacted in 3-5 business days to discuss the issue further. 

Its has obviously been much longer than that and I havent heard anything from Chase since. 

At this point Im not sure who to turn to for help, and a friend suggested the CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
my phone was stolen i went to check my bank of america bank account and noticed there was a pending deposit of a check in my account that i did not make i immediately called the bank and told them that my phone was stolen and i think somebody is trying to do something with my account so i closed my account and the rep told me that was a good idea and she was glad i caught it. about two weeks later i tried to open my account back up and they told me i could that i was red flagged and now i cant get a bank 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 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
On Friday, XX/XX/2020 I went to the Customer Service counter at Walmart, XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I indicated that I wanted to send a MoneyGram to a fellow XXXX in XXXX. 

They asked for my ID, asked who I was sending the money to, how I knew this person ( we are fellow XXXX with a relationship between our XXXX ), what was the money to be used for ( food ). The customer service representative ( a misnomer ) insisted that this was a scam. 

I tried to explain my relationship with the recipient, though not understanding why this person was the judge and jury for whether or not I would be able to send the money. She said she would not send it but would get her manager. 

The manager arrived and asked the same set of questions. When I questioned why this was necessary she said that " federal laws require that I ask these questions, '' and that it was up to her whether a MoneyGram transfer could occur. 

When I had answered her questions with the above information and she was unwilling to help, I suggested that she was being a bit unreasonable. She then told me she would not send it. 

Embarrassingly, and very much out of character, I used a profanity and left. I went to another location and sent a XXXX XXXX transfer without a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Greetings, I have submitted a complaint a couple months ago in regards to a scam/fraud that I was involved with in XX/XX/2019. The Executive Response Unit from CITIBANK was assigned to me to work on this investigation with " XXXX XXXX. '' I have tried to get in contact with her to follow-up on this investigations with no response or updates.

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 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Not my account never had one with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2020, I received a letter from PayPal, dated XX/XX/XXXX, stating that I was automatically being signed up for a credit card and that it would be sent unless I opted out via there website. As far as I know, it is illegal for someone to issue a credit card in your name without your consent. What if I didn't get the letter, or not in time? If this is not illegal - it should be. I'm sure I'm one of millions who received the same letter. This must stop. Please stop them from doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX $ were transferred from the bank of America my account to someone Bank of America account. I reported this to Bank of America XX/XX/2020. 

Bank of America did primary inquiry and told me on the phone that since the IP and device the same as always. They are not going to refund the 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 2020-04-10 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: DISCOVER BANK
State: CA

Complaint narrative:
Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I purchased XXXX electronic goods for my kids on the online platform " XXXX XXXX. '' A seller near me in XXXX XXXX put an ad for XXXX electronics for {$XXXX}, I contacted the seller and paid for them. The seller specifically requested a transfer via Cash App due to the Covid-19 pandemic and not wanting to break quarantine guidelines in the XXXX County area. I transferred {$XXXX} and the seller immediately blocked me from all forms of communication via mobile and online platforms ; in addition, the address provided to me to pick up the XXXX goods did not permit me to enter the residence and the address unit did not answer calls upon arrival at entrance. All in all, the " seller '' took my {$XXXX} and did not provide me the XXXX for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NJ

Complaint narrative:
Transunion refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but transunion and XXXX refused I was never late I had automatic paymnets

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 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TN

Complaint narrative:
None of this information applies to me or my history. I never lived in, visited, or driven through XXXX XXXX Florida. I have never had these fines. I have never had my license suspended or revoked. 

County Searches : Consider XXXX XXXX, FL : Consider TCATS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Case Number XXXX File Date XX/XX/XXXX Court Jurisdiction FL XXXX XXXX County XXXX XXXX State FL Full Name XXXX, XXXX DOB XX/XX/XXXX Charge Tcats XXXX XXXX XXXX XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX XXXX XXXX Charge Type XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00} Charge Tcats XXXX - XXXX / XXXX / XXXX / XXXX XXXX Charge Type XXXX XXXX O ense Date XX/XX/XXXX Disposition XXXX XXXX BY COURT Disposition Date XX/XX/XXXX Other Sentencing Info Fines/fees {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Not my account never had one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have two installment loans. One with SpeedyCash.com and the other one is with XXXXXXXX. I took out the loans in XXXX after starting a new job. I have made all of my automate payments as scheduled. Today I called for a payoff and settlement of the loans. That's when I found out that I have been paying primarily interest on the loans. I have already paid back the principal on both these loans. SpeedyCash.com loan was for {$820.00} and I have paid back {$1400.00} with a payoff of {$730.00}. XXXX loan was for {$400.00} and I have paid back {$640.00} with a payoff of {$430.00}. There was no way of getting off or this cycle. I called and told the companies that my wife had lost her job because of the COVID-19 I was offered to extend my payment by 5 days or make half of the scheduled payment. I asked if it was a way to settle the loan I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: ID

Complaint narrative:
I called on a number of occasions and asked to be placed on a Do Not Contact list. They have stopped calling but still are sending me emails ; emails that dont have anything to do with my account in particular.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NV

Complaint narrative:
These are not my accounts nor did I authorize any of these companies to pull my credit.

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 2020-04-10 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I made a charge and cancel the service the next day within the merchant cancellation date. Called Citibank, credit card company, to dispute claim and they would not take dispute until posted. I used the mobile app in which it does not give me a selection to say I never receive merchandise so, I selected return. After speaking with customer service in dispute center I faxed in my cancellation contract. Next notice I received from Citibank is that they have resolved the case and reverse the charges to my card. I called an spoke to a supervisor and as the letter said, trace over contract and state whether I received items or not. I sent in a new fax Monday and supervisor called Thursday that a fax was not received. I faxed in another copy and then called merchant to get cancellation receipt and faxed in another copy of the trace over cancellation contract, a statement that I have not received any items and, cancellation receipt from merchant. I am unable to resolve this issue with Citibank dispute center. I have also mailed in a copy of the cancellation of contract to Citibank.

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 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has been continuously negligent by providing false information on numerous occasions. IN CFPB Case ( Withheld ) Response they failed to answer FCRA legal request and provided incorrect loan payment amounts. Payment amount in case was stated as a higher amount than due on website. This is illegal under FDCPA by trying to collect more than is due at any given time. Nelnet has continually breached it's Federal Contract, which it has not addressed in any claims, failed to respond to open records request for information, provided information as Department of Education wen in fact it was Nelnet in behalf of DOE, continues to provide misleading, and incorrect information. It has reported incorrect information to CRAs repeatedly. The CFPB and Department of Education continue to ignore this gross misconduct even when provided with information from solved disputes from CRAs where Nelnet was at fault of giving incorrect information. This is clear evidence of negligence and collusion, which is now gross misconduct. This should be brought to class action Status based on similar claims of misconduct and reviewed by Senate Oversight Committee responsible for Government Contract with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: Accurate Background
State: KS

Complaint narrative:
On my background check report from accurate it states on XX/XX/2019 I was suspended for failure to comply with financial responsibility. There is no such charge, it states my driver 's license was suspended. It was renewed XX/XX/2019 and has been VALID EVERY SINCE! THIS IS FOR XXXX COUNTY KANSAS XXXX : XXXX XXXX : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NJ

Complaint narrative:
XXXX refuses to update. I files ftc reports against them. I have automatic payments on my account it closed and automatic paymnets where still set upupdated but XXXX and Equifax refused I was never late I had automatic paymnets

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: NV

Complaint narrative:
These are not my accounts nor did I authorize any of these companies to pull my credit.

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 2020-04-10 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: NV

Complaint narrative:
These are not my accounts nor did I authorize any of these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Not my account never had one

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I pay monthly mortgage payments including escrow to NewRez. Last year, in XX/XX/XXXX, 'Shellpoint Mortgages Servicing ' purchased my mortgage under the name of 'NewRez LLC ' . For 6 years the previous mortgage company 'XXXX ' ( XXXX XXXX XXXX XXXX XXXX ) had always paid my County Real Estate Taxes and Homeowners Insurance on time through my escrow account with them. 
NewRez LLC did not pay my Homeowners Insurance when it was due XX/XX/XXXX of this year. When I received a card in the mail from my insurance company that my policy 'would not renew '. I contacted my insurance agent and with some research she said my policy premium had not been paid. I explained that it was supposed to be paid by my mortgage company through my escrow account. That same day my insurance agent contacted NewRez and gave them all the information they needed to get this paid including the amount. She later sent me an email saying the lady at NewRez said they would overnight the payment to the insurance company. 
Since it was XX/XX/XXXX and my policy premium is due today my agent said my coverage could lapse if it's not paid by the end of the day. I can either take a chance for a couple of days or I could go ahead and pay it and then get refunded from my insurance company once they received the escrow payment. I didn't know why it had not been paid but did not want my coverage to lapse so I had to pay the insurance company with a personal credit card to keep from being without coverage until they received payment from NewRez. 
I contacted my insurance agent around XX/XX/XXXX about my refund from the insurance company for the payment I made with my credit card. When she contacted the insurance company to inquire about my refund, she was told that NewRez had only made a partial payment and not the full amount of the premium. The premium amount was {$870.00} and NewRez only sent {$700.00}. I then called NewRez myself and explained the situation. After being on hold for a while, a lady told me the remaining {$170.00} is being issued for payment on XX/XX/XXXX. 
On XXXX XXXX I contacted my insurance agent once again to see if the insurance company had received the remaining payment from NewRez so I could get my money back from my credit card payment. After checking she said they received it yesterday on XXXX XXXX. 
Finally, on XX/XX/XXXX NewRez, the company that purchased my mortgage XX/XX/XXXX, had paid my homeowners insurance premium from my escrow account three months late because it should have been paid in XX/XX/XXXX for a due date in XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was XXXX, XX/XX/XXXX when my car payment was due, I had my ( then ) girlfriend, ( now ) ex girlfriend do the transaction for me so I don't get my car repossed. when I got out I usually go over monthly expenses to see what im behind on when I did I found a transaction on my XXXX account I didn't authorize at all I contact chase to tell them and they said take it up with her, it was a mistake to trust a somebody but anybody can try to get over on you, even family! the transaction was for XXXX dollars and chase is putting up a fight for my money that's not even a lot of money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
-8/23/19 Lost wallet and ID document, SSN, Driver license, XXXX card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXXn debit card , XXXX ID and Driver license, 1 XXXX XXXX credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXXPD Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , Discover bank ) that founded from arresting XXXX XXXX at XXXXPD XXXX XXXX : notify call center about the issue and verify ID. 

XXXX receive letter form Discover Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and XXXXPD police slip via website https : //www.discover.com/online-banking/secure-document-upload/.

Company response to consumer: Closed with explanation