vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OZK
State: AR

Complaint narrative:
XX/XX/2020 I helped my friend transferred from my business account {$20000.00} to pay the equipment for the account in XXXX. 
XXXX 2020 I did transfer {$10000.00} from my personal account to another account in china XXXX 
XX/XX/2020 I did transfer {$7500.00} from my personal account to account in XXXX. 
I didnt know all that people on the account I transferred And I just tried help my friend pay that and thought that he will pay me back but he disappear and didnt want pay my money back. And I think this is a scam they try get my money away. And I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which Transunion, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this 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 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX  has reporting a collection on my credit report for XXXX. The account appears to be from XXXX   XXXX XXXX  in which XXXX XXXX and Experian has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless XXXX XXXX has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want Experian to validate this account. How where they able to list a collection from XXXX XXXX  but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can Experian or XXXX XXXX. More so I never signed a contract with XXXX XXXX  for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX   They no longer have control over this 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 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. Phoenix Financial Services, LLC listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the 2015 legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I noticed a charge of {$1800.00} that I did not authorize and later realized that a cab driver has entered that into the pin pad even though the meter said {$8.00}. I notified Bank of America immediately to help me resolve this and stop this transaction while it was still pending, I was informed to wait. A few days later when the charge was posted, I called back to resolve this and after three phone calls with different representatives, they told me that they've credited my account for the time being but asked for documentation. Unfortunately because I did not know what was happening at the time of purchase I have no receipt or proof, and let them know that the onus should be on the merchant to provide a signed receipt with this amount - as I do not remember signing anything. Today BoA has added this charge back to my account and close the claim but this is unfair, and I shouldn't have to pay for a scam.

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 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all 3 credit reporting bureaus. As of XX/XX/XXXX, the new 180-day waiting period gives consumers time to resolve medical billing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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 belongs to someone else
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I previously sent a letter to NC State Employees Credit Union, to let them know that I was a victim of identity theft and I also attach a police report and an FTC report to my letter that I sent to NC State Employees Credit Union. In their response letter they sent me back NCSECU said that after careful review of this dispute we are unable to investigate this claim at the time as the credit union has determined that your letter has originated from a credit repair but I'm the one who actually sent the letter to this company and no one else or any other company helped me out and the letter I sent them wasn't drafted on a form supplied by a credit repair organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
My mortgage is currently serviced by Select Portfolio Servicing. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to SPS, they have refused to report the debt to the three credit bureaus ( XXXX, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I had an account go on my credit report that does not belong to me. I have credit monitoring and that's when I go the notification about this. The account in question is from XXXX XXXX Acct # XXXX. I figured I would take this route before seeking legal representation concerning this. I know with all the security breaches Experian has had, I am pretty sure my ID was stolen which has caused me undue hardship in making my credit good in these troubled times. Please investigate and you will see this account does not belong to me.

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 non-monetary relief
Consumer complaint received 2020-04-04 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: NY

Complaint narrative:
In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXX Music Player fro the amount of {$3800.00} and used my Visa XXXX to pay for this amount. The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX receives the item below, we'll issue a refund to your original payment method '. However, I haven't received a refund and filed a billing disputed. For your convenience, I've enclosed all the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX i checked my credit reports as we are trying to purchase a home soon. XXXX XXXX XXXX, XXXX listed a medical debt from XXXX of XXXX on my credit report for {$56.00}. In XXXX, a legal settlement forbid reporting of medical debt to credit bureaus if it is less than 180 days old. This debt has not hit the 180 day mark and violates the XXXX legal settlement between all credit reporting bureaus. As of XX/XX/XXXX, the new XXXX waiting period gives consumers time to resolve medical billing issues.

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 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the past a few years. I was charged on average XXXX-XXXX  dollars a mouth for Overdraft fee. I ran a XXXX XXXX, and need the daily sales come in to cover the daily cost. And often my balance run low where overdraft will happen overnight. 

The Order of Sequence for the Debit and Credit transactions : Chase ALWAYS DEBIT the ACH charges first before CREDIT the income on my account. Which I have will always been charged overdraft fee though I have positive balances in the morning. 

Paid {$34.00} fee for a overdraft transaction of a few dollar or less : if Chase paid a big transaction I currently don't have the money for, I may still consider it helpful. However, Chase always returned the bigger payments which I needed when balance was low. and choose to pay the small little transactions often cost me multiple overdrafts in one days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an auto loan with JP Chase I have a record of 99 % ; paid on time .for 5 years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from JP chase stating the account was paid in full no late payment. I need JP auto loan to correct the information of a late payment I was never late I demand from JP Morgan to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I contacted the company twice in XXXX concerning my unemployment due to the covid virus and I also contacted again today. They are not helping in any way, said make a payment this month or we repo. I explained I've filed unemployment and it's in the process but it is back logged so I havent received funds yet. CPS continues to state they are sorry but are not offering any help except payment plans which are not any help if you have no income and unemployment will barely cover a monthly payment anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
It is high time credit providers should be able to provide interest rates on mortgages without the need to pull ( ding ) credit or do a full underwriting to do so. The major factors of credit score/LTV/terms requested style ( fixed/variable and maturity ) should be more than enough to quote current interest rates without playing the games of requiring all information thereby locking the borrower in to using them as the provider. It is just a sales game and needs to stop complicating the process. Providers need to set themselves apart and make themselves preferable via the service they offer rather than trying to handcuff borrowers via the request for excessive information and credit dinging.

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

Complaint narrative:
Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

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 2020-04-04 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: TX

Complaint narrative:
Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I got a notification that in XXXX of 2020 that a collection account was going on my report. I have credit monitoring and was surprized by this. I have good credit and this made my credit go down. This account does not belong to me. The account in question is from XXXX XXXX XXXX Acct # XXXX. This account also appeared in my XXXX  under a different name which I will supply documentation. The other person claiming this account is XXXX XXXX. I know there has to be a mistake because these accounts do not belong to me. I am writing you because my next action will be legal action if not removed from my report. This has cause me undue hardship with my good 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 2020-04-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been trying to resolve a disputed balance with Chase credit card. I filed for Arbitration for disputed amount with XXXX XXXX XXXX on XX/XX/2020 according to Chase credit card agreement terms. Chase did not respond to the arbitration request at all. This is a violation of our credit card agreement. Attached is a letter sent to Chase on this matter by XXXX XXXX XXXX. Chase has to pay the fee and proceed accordingly. If not, Chase should eliminate any disputed balance plus any fees/interests associated with it and reimburse me my arbitration filing fee of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
Our mortgage was sold to Flagstar Bank in the spring of 2019. We have never been able to get our insurance payment included in our escrow payment even though we had it setup this way with the original lending bank. Flagstar continues to collect escrow payments that include money for insurance but we can not get Flagstar to setup the insurance portion of the escrow account. Both our insurance agent and myself have faxed, emailed and used the insurance link provided by Flagstar to upload the requested insurance documents. Between our agent and myself we have done the requested sending of documents in excess of 10 times. None of these attempts has resulted in Flagstar setting up the insurance portion of the escrow. We ended up paying for the insurance with our own funds last year and then waited for Flagstar to perform escrow analysis and refunded our overage ( should have been used for insurance ). It is impossible to get someone with any knowledge to take care of this issue, I call speak to someone and take their name and when I call back a few weeks later the person is no longer with Flagstar and insurance is still not setup.

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 2020-04-04 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: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-04 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: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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