vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello I am currently a customer with Chase and I have been using their XXXX Quick Pay services since last year XXXX. I have been sending money to an individual ( Mrs. XXXX ) monthly since XX/XX/XXXX and all of my transactions have been successfully completed until XX/XX/XXXX when Mr. XXXX asked me if I had sent the money ( {$400.00} ) I had the confirmation numbers and screenshots of the payments that I sent but Mr. XXXX had not received the money. I called Chase and they asked for me to open up a claim so they could investigate what happened. After a couple weeks I called back to follow up and Chase stated that there was no error on their part since the person registered with that phone number was an individual with a completely different name Mr. XXXX and I stated to them that the person that was registered with that phone number was Mr. XXXX and not Mr. XXXX so I asked how is it possible for XXXX to allow two individuals to register with the same phone number that should not have been allowed by XXXX that should of raised red flags on XXXX  system but it did not so my money was sent to Mr. XXXX instead of Mr. XXXX the real owner of the phone number that I had used for the past year. I have sent Mr. XXXX payments for the months of XXXX, XXXX, XXXX and XXXX and he has received all of those payments successfully but the payments for XXXX where deposited into Mr. XXXX account who we believe was being fraudulent. I have called Chase and XXXX and no one is willing to help me. I have proof that I entered the correct information on all of my transactions Chase claims since I authorized the payment their is nothing they can do to help me, but I do not see how that is my issue that XXXX lets multiple people register with the same phone number I have no control over that I sent the payment like I always do and XXXX failed to flag that second account that was opened and allowed my information and money to be sent to an individual that I do not know. Chase and XXXX have failed to help me with this matter and I have no where else to turn too. Chase had credited back my account the {$400.00} initially while they did the investigation but came back and reversed it since they said it was " customer error '' and I went to their branch and showed them that I had correctly imputed the phone number that I did not see how I was to blame for it and my issue was not resolved. Chase and XXXX have dropped the ball when it comes to the security of customers accounts. XXXX should not allow multiple people to register with the same number because they are compromising established customer information. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The problem started with XXXX XXXX, XXXX  and transunion on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious 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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The problem started with XXXX XXXX, equifax and XXXX  on XX/XX/2019 when my credit scores dropped from XXXX to XXXX without explanation. The problem further escalated on XX/XX/2019 when my credit scores dropped 90 points without explanation. The problem has persisted on XX/XX/2019 when my scores were further damaged without explanation. It appears no effort has been made to correct these egrigious errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/15 in both accounts but have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been in a constant struggle with Navient and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from Navient indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

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 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been in a constant struggle with XXXX  and their practices in reporting loan information. I have asked for information to be corrected in credit report to no avail. They have ignored my request for correction with document from XXXX indicating my loans were forbearance and still continue to report late. In addition all the response I receive from the credit agencies are changes to the terms. Which I am not aware of any changes on terms.

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 2019-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/XXXX in both accounts but have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
They call my job everyday asking for the plant manager. They also leave the number with anyone that answers the phone. This is a everyday occurance even though I tell then when I can pay

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: MN

Complaint narrative:
In XXXX a XXXX credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX , XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time Equifax says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both XXXX and XXXX XXXX. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both Equifax and XXXX on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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 have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, theses accounts are reporting XXXX  XXXX-XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX and these accounts are not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.

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 2019-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX  veterans ; therefore, in the state of Texas property taxes are not assessed. 

In XX/XX/XXXX, I informed the Mortgage Company ( BSI Financial ), that my property status has changed and that I no longer had to pay property taxes. The mortgage company explained to me that they would need the tax bill from the City before any changes to my account occurred. 

In XX/XX/XXXX, I received a new escrow analysis from BSI, listing no change. I immediately called the Mortgage company to speak about the inaccuracies in this report. Their Customer Service Rep explained to me that I had no worries, but to send documentation from the City stating the fact that I was exempt. ( See attached ). 

As of today, and after sending the attached several times and also, asking the City to send this same letter BSI and the multiple phone calls to BSI, still there has not been any changes to my account.

Again, I spoke to BSI on yesterday and now they are asking me to send a bill from the City that states XXXX balance. I explained to them .... that the city send them the bill and even though it didn't state XXXX balance, the amount paid for XXXX was significant less than the previous years, and yet they failed to request another analysis, based upon the amount paid ( XXXX ), again for XXXX. As of yesterday, a request for a reanalysis was request. Even though the re-analysis should be based upon XXXX and not XXXX. 

My issues are, I am a XXXX Veterans ; who property taxes are not assessed, who is not require to pay property taxes ; therefore, my escrow account with BSI should reflect this fact. I should not have to wait until XX/XX/XXXX until a new bill for changes to occur. ( 17 months ) Especially, when the attach letter states, " The taxes for XXXX will be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MA

Complaint narrative:
I found my old prepaid Visa Debit Card by Vanilla I went to register it and it said its expired I called the company and they said since I didn't register it I loose the {$200.00} and theirs nothing they can do I have the card and the receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the XXXX XXXX XXXX  began contacting me daily. I contacted XXXX and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to Citibank and is referenced as such in the attached letter.

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 2019-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX XXXX-XXXX in the amount of {$330.00}. I have never had XXXX XXXX and this account is not mine. Its also reporting open accounts that are not mine, XXXX XXXX, XXXX. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are to be deleted also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 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: MN

Complaint narrative:
In XXXX a PayPal credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time XXXX  says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both PayPal and Synchrony Bank. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both XXXX  and Synchrony on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was contacted several months ago regarding this Capital One balance by XXXX XXXX   XXXX. I set-up a three month payment plan and received confirmation in XXXX that the {$720.00} balance had been paid. 
Now, the past couple weeks, XXXX XXXX has been calling multiple times every single day to me, my husband, my ex-husband and my mother about this Capital One balance. I honestly could not tell you the amount of times that they've called, leaving voicemails that they have a Fax Request to File Charges against me. And I need to call to schedule delivery. 
They also, gave my husband specific information about the transaction. To my knowledge they're not supposed to give any specific information to anyone that is not on the loan??? 
I have told them I paid this off, and I want to dispute the claim. 
Waiting on feedback from Capital One. 

The amount of calls and threat of having charges filed against me are ridiculous. 
And contacting individuals that are outside of the transaction have got to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.

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 2019-11-20 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:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there are open accounts reporting, XXXX XXXX, XXXX, XXXX XXXX I have never had these accounts and these accounts is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.

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 2019-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am a victim of identity theft. In XXXX, my information was compromised when I entered my data into a fraudulent insurance company website. When I learned how to protect my credit file from the fraudulent information, I began to send in paperwork to the bureaus around XXXX of XXXX. I was pleased when the information was removed and the CRA 's deemed the accounts were fraudulent and were works of someone using my personal information. 
Later on, when I checked my credit files in XX/XX/XXXX, I realized some of the accounts have come back on my report. I sent in paperwork again to the CRA and the creditors stating that the accounts were fraudulent. It is now mid XXXX, and the accounts are still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20 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: U.S. BANCORP
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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