vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing a complaint against JP Morgan Chase Bank for denying an incident of fraud from a stolen Credit Card number. 

On XX/XX/XXXX, 3 fraudulent orders were placed with my credit card number that I did not make. I did not see these charges until XX/XX/XXXX and promptly called Chase at XXXX XXXX  to report the fraud. They marked all 3 charges as fraud, closed the old account, and mailed me a new Credit Card. 

On XX/XX/XXXX, I received a package in the mail from one of the fraudulent purchases which was from a company called XXXX. The package was left at my door and USPS was gone before I could refuse the package. I called Chase at XXXX XXXX to ask a representative what to do. I was told to take the package back to the Post Office to return to sender. At XXXX XXXX  in the Post Office in  XXXX, MD, I was instructed to cross my address out and mark the package as " Refuse - Return to Sender ''. I did just that and handed over the package to be sent back. 

On XX/XX/XXXX, I received a voicemail to promptly call back Chase Fraud Dept. at XXXX. When I called back at XXXX XXXX  that day, I was told by said representative that while two of the fraudulent purchases were approved as fraud, the one from XXXX would not be approved. The company in question had determined that because the address partially matched, I had purchased the product legitimately. In speaking with the representative, I found out from Chase talking to the vendor that the email the fraudulent purchaser used was similar to my personal email but not mine. The apartment number was also not on the package. I would most likely be denied my refund because of this. In talking to USPS, they said it was out of their hands. 

On XX/XX/XXXX and XXXX, XXXX, I received 2 letters indicating that they closed the fraud case and that I would be responsible for the XXXX charge in the amount of {$36.00}. All 3 purchases were made at nearly the same time and somehow one was approved. The other 2 purchases made with presumably the same email account and IP address were denied. The charge had re-posted when I checked my account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank credit card XX/XX/XXXX XXXX XXXX XXXX NY {$1200.00} XX/XX/XXXX XXXX XXXX XXXX NY {$56.00} I was on vacation in XXXX from XX/XX/XXXX to XX/XX/XXXX and I had this credit card with me. On XX/XX/XXXX I saw 2 charges that I did not recognize, I contacted citibank via online chat since I could not call while out of the country, they told me to call customer service when I got back to file a fraud dispute. After I filed the dispute, they told me to wait 3 billing cycles, I did not receive any information/requests from them during this time. I called back in XXXX to check on the status of this dispute and they told me that the case was closed and I had to pay for these charges because the card was in my possession and the emv chip was used. The representative also told me that I was mailed a new card in XXXX but I never received it. I offered to send me a copy of my flight confirmation and sent it to a email that they provided. They reopened the case and told me to wait 1-2 billing cycles but I heard nothing from them until I called today XX/XX/XXXX to check on the status again. The representative told me that the case was closed again and provided me the same response that the emv chip was used so they determined that I used the card, which I don't understand since I was not even in the US at the time. I can provide the flight confirmation again but I'm not sure if I should do it on the website since it says do not include personal information.

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 2020-02-14 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: TX

Complaint narrative:
The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for XXXX XXXX XXXX XXXX, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: NY

Complaint narrative:
I applied to multi companies for employment opportunities in the last few years the most recent on last month was shipt. The company these employers for background checks is Checkr. Ive disputed the incorrect information on my report everytime and provide court records reflecting the correct information but the ignore it and continue to inseminate false information to the prospective employers costing me many job opportunities and I dont even know how much In lost income. They reissued the report today after discrediting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing an account for 3-years. I have sent to Equifax a letter from the collection company, XXXX XXXX requesting that the credit bureaus delete the item, but Equifax refuses to delete the item from my credit report. Again, it's been 3-years since the company  requested to have the item removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: GA

Complaint narrative:
I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-02-14 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: GA

Complaint narrative:
I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: LendUp Loans LLC
State: CA

Complaint narrative:
I have had 57 loans with this company over several years. This particular loan of {$1000.00} was initiated XX/XX/XXXX, and like previous, payments were set up to automatically debit my checking account for 9 months. I was away the early part of XXXX taking care of my parents. When I returned XX/XX/XXXX I called the company to get a paid-in-full letter and was told by a lady named XXXX ( sp? ) they had deactivated the automatic payments in XXXX and failed to contact to me -they were using an old email address of XXXX from XXXX AND they did NOT call either of my work or home numbers, or send notification to my mailing address of XXXX XXXX XXXX , # XXXX, XXXX XXXX , CA XXXX. She updated my email address and noted I could make payments via their website portal. I did so and made payments monthly and the final payment on XX/XX/XXXX. Upon reviewing my credit report in XX/XX/XXXX I learned the company reported they charged the account off for {$890.00} on XX/XX/XXXX and did NOT report any of the payments I had made right up to paying the account off XX/XX/XXXX. Even after disputing with all three Credit Bureaus they first insisted no payments had been made, and the information they reported was accurate and the account was past due {$620.00}. On the second dispute I provided bank account statements to the Credit Bureaus showing the debits and final payment made XX/XX/XXXX. Now they have switched their position again and acknowledging payments were indeed made and claiming the account was charged off in XX/XX/XXXX when I called them for the paid-in-full letter. They are now reporting the account as charged off in XXXX and paid.

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 2020-02-14 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: TX

Complaint narrative:
The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which  enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} Equifax {$700.00} XXXX data breach settlement : all part of that

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 2020-02-14 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: TX

Complaint narrative:
The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} XXXX  {$700.00} XXXX data breach settlement : all part of that

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 2020-02-14 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: Innovis
State: TX

Complaint narrative:
XXXX {$700.00} million data breach settlement : innovis XXXX Credit Bureau May Be Violating Consumer 's Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
There were unauthorized charges that were made to a lost debit card in the amount of {$1300.00} at XXXX with two separate purchases. Ive tried to work with the bank dispute this matter and it has been unsuccessful. There is no way possible that I made these purchases. No one has my ID or PIN. Please help me receive my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda Financial incorrect late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX {$700.00} million data breach settlement : XXXX Secret Credit Bureau May Be Violating Consumer 's Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX  {$700.00} million data breach settlement : XXXX Secret Credit Bureau May Be Violating Consumer 's Rights

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 2020-02-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX incorrect late payments

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 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: NY

Complaint narrative:
Advanced Collection Bureau can not validate that I owe this supposed amount. In violation of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had 57 loans with this company over several years. This particular loan of {$1000.00} was initiated XX/XX/XXXX, and like previous, payments were set up to automatically debit my checking account for 9 months. I was away the early part of XXXX taking care of my parents. When I returned XX/XX/XXXX I called the company to get a paid-in-full letter and was told by a lady named XXXX ( sp? ) they had deactivated the automatic payments in XXXX and failed to contact to me -they were using an old email address of XXXX from XXXX AND they did NOT call either of my work or home numbers, or send notification to my mailing address of XXXX XXXX XXXX , # XXXX, XXXX XXXX , CA XXXX. She updated my email address and noted I could make payments via their website portal. I did so and made payments monthly and the final payment on XX/XX/XXXX. Upon reviewing my credit report in XX/XX/XXXX I learned the company reported they charged the account off for {$890.00} on XX/XX/XXXX and did NOT report any of the payments I had made right up to paying the account off XX/XX/XXXX. Even after disputing with all three Credit Bureaus they first insisted no payments had been made, and the information they reported was accurate and the account was past due {$620.00}. On the second dispute I provided bank account statements to the Credit Bureaus showing the debits and final payment made XX/XX/XXXX. Now they have switched their position again and acknowledging payments were indeed made and claiming the account was charged off in XX/XX/XXXX when I called them for the paid-in-full letter. They are now reporting the account as charged off in XXXX and paid.

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 2020-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello my name is XXXX XXXX I am XXXX years old and have lived in my home almost my entire life due to my father building the home in XXXX for our family. I am going to try to make this as brief as possible because there is so much going on with my situation. 
I originally was with XXXX XXXX XXXX. After my mother passed away in XXXX I bought the home she and I lived in and have lived in since. I got a HELOC in XXXX. In XXXX I was getting a loan modification but they said I would do the Modification on the first loan and after I was approved I would work on the HELOC which was strange to me but trusted they were looking out for my best interest. It took them 24 months to approve the modification on my primary loan and then shortly after I received a charge off on the HELOC. Within these time framesI kept current on both the loan and the HELOC until they ( XXXX XXXX XXXX  ) told me it was charged off. After charge off was received I was told by the new lender XXXX XXXX XXXX that I was current and to keep paying on my primary loan which I have done up to XX/XX/XXXX. 
In XXXX of XXXX almost 10 years later I received a Notice of default on the HELOC loan I was very confused and tried to work things out with the new servicer which was Special Loan Servicing LLC. After 10 years of my thinking the HELOC was charged off I was absolutely shocked and frightened about what to do. I hired a lawyer and have been taken advantage of and mislead since. In late XXXX I was contacted by Special Loan Servings lawyer who said they would work with me if I dismissed the lawsuit. On XX/XX/XXXX I had borrow money from a friend to go have a consultation with a new lawyer because I had know idea what all this meant and felt I needed someone who was professional to help me. She was going to handle getting the Auction postponed so I would be allowed time for the modification and dismiss the lawsuit. Things have not progressed well since I hired her and now as of today she told me that Special Loan Servicing is not going to postpone auction and they will move forward with the foreclosure process. I am desperate and afraid of being on the street after XX/XX/XXXX which is the auction date. I have no more money to hire an attorney and writing to you is my last resort. I just wanted the opportunity to get the HELOC modified and I would begin to make payments, but they never allowed me that. Again I am current on my primary loan and never have missed a payment. Although I was advised by the newest lawyer to not make XXXX payment. She has dissolved our relationship as of today. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: MI

Complaint narrative:
On XXXX my XXXX Prepaid Debit card ending in XXXX was used without my authorization or knowledge to make 3 transactions. The transactions occured on CashApp and a Square Payment Processor. Here are the transaction descriptions : 1.SQ*XXXX : {$500.00} 2.CashApp*XXXX : {$500.00} 3.SQ*XXXX : {$500.00} I immediately notified XXXX of my card being used without my permission and was told they couldn't do anything until the transactions posted. It is now 8 days later and the transactions are still pending. I again contacted XXXX, Square and CashApp with all of them essentially blaming the other ones and saying their is nothing they can do. I have been out over {$1500.00} for a WEEK! And I'm being told it will be ANOTHER WEEK before anything can be done. This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: NC

Complaint narrative:
I have a huge complaint with Celink. My mother had a reverse mortgage with them, she passed away and I am the administrator on her estate. This company refuses to give me a payoff on the account so we can close on it. We have had the house under contract since mid XX/XX/XXXX. First there was tornado damage that the insurance company sent the money to the mortgage company and I had a really hard time getting those funds to pay for the repairs. I finally got the final payout on it to pay the contractor off XX/XX/XXXX, the tornado was XX/XX/XXXX. So now we are finally set to close but they won't send the payoff statement to the closing attorney. I have no idea what to do. We have worked so hard to get to the place to finally close now this. The attorney as well as myself have been calling trying to get a payoff statement but they keep saying 7-10 business days. We need this ASAP. Since we are supposed to close XX/XX/XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter finance has continued to refuse to provide me with copies of my billing statements for the XXXX XXXX XXXX my mother and I are financing through them. They provided one copy of one statement per my last complaint against them but have still refused to mail me my actual billing statement. My mother and I have different addresses and I am not getting anything from Exeter.

Company response to consumer: Closed with explanation