vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase has committed several errors related to my mortgage loan # XXXX and I request they conduct a reasonable investigation and correct these mistakes immediately including : They have falsely and incorrectly claimed that I am behind on this mortgage when I have made every payment that is due under the terms of my loan. I have made on-time payments on the loan since I took the mortgage loan and have made direct payments to Chase and its predecessors from my banks bill-pay system from XXXX, 2020 through XXXX 2020. Chase is reporting contrary, negative information to me and the credit reporting agencies that is false and deceptive. I have provided proof of payment to more than one person at Chase, most recently XXXX XXXX, escalation supervisor. I have been told repeatedly that Chase is relying on information provided by XXXX ( the predecessor to Chase ). I have provided proof to Chase that XXXX XXXX records are incorrect, including most recently a letter from XXXX admitting the errors I have pointed out and confirming I was up to date when the loan was transferred to Chase. 

Chase is currently reporting to the credit reporting bureaus that I am late on my mortgage payments when I have paid all the mortgage payments due on my loan to them and their predecessor. I have also received repeated calls from Chase 's Account Services requesting payment for the alleged late payment. Chase is aware that the records they received from XXXX  are inaccurate and they should correct them without further delay and to report that inaccurate information into the data marketplace by the credit reporting agencies..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
I wrote the company dispute letter asking them to validate and verify the amount of {$600.00}. They are claiming I still owe them. Consumer Adjustment Co failed to validate the competent evidence bearing my signature.Showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies TransUnion, XXXX, and XXXX.

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 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies XXXX, Experian, and XXXX.

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 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
After explaining to the representative that my transfer is strictly legitimate and in addition I had the sender submit documents that they had full awareness of the transfer and details surrounding the amount they still deactivated my account without reasonable explanations.

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 2020-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I contacted NCB Management, Via certified mail it was signed for on XXXX XXXX, I ask them to verify account, within 30 days, they never did, but they updated the account on my XXXX Credit Report on XX/XX/2020. When I spoke to a representative, I was told that I needed to contact the company. On XX/XX/2020. I received a letter stating that they couldn't substantiate my claim and asked my to send over any information, that may have to help them with this account. XX/XX/2020, they received a letter stating that they have 10 days to removed said account from my credit report. Haven't heard anything from them since than, But XXXX  updated my dispute on last evening saying that the account was updated and not deleted. I need help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: FL

Complaint narrative:
I applied for a online bank account with a company then got a debit card and account from another company and didn't know it might be a scam but I had put some cash on it and set up an account on their app and I payed for a few items but when I tried to get back on the app I couldn't login again, I tried several times and then to rest login info and still can't get back on, there's still some money on the card and account but I tried to order another item it wouldn't let me, it said account info not complete but I tried putting in the info and it still won't accept it

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 2020-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I paid XXXX to a collection agency on XX/XX/XXXX with no receipt of payment besides showing my XXXX card was charged for the money. XXXX XXXX  XXXX  then sent this to another collection agency and the charge was disputed and removed from my credit report. Another agency recently ( XX/XX/XXXX ) states they obtained the debt and I still need to pay. This bill has been paid off and XXXX XXXX XXXX now continues to haunt my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I awakened this morning to a notification that my cash app account was - {$170.00}. I had over {$370.00} in the account hours before. I opened the app and checked my emails. There were no indications or transactions showing that would have caused the withdrawal. I immediately emailed customer support and explained the issue. I have yet to hear anything from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020 I signed into my checking account to check my balance & after signing in saw XXXX was available.After checking the transactions, I saw {$1100.00} was available after my Social Security was deposited even though there was no Recent debits.I called the bank but they refused to explain the difference.

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 2020-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: ME

Complaint narrative:
On XX/XX/2020, I called Sallie Mae as they had charged the wrong account on file for my loan payments. ( 5th time this has happened ) Following this on the same date I called and requested a refund in the amount of XXXX $ as my bank had hit me with huge overdraft fees as this account is rarely used. The agent I spoke with did not collect the necessary information and did not follow up with me nor did the company as a whole so when I called again on the XXXX, after being told I would here back within 3-5 business days, it was very frustrating to find out the agent did not at all take the necessary information to process the refund. I then sat and waited on the phone for 1 hour 37 minutes talking to a women who then went through the refund with me step by step. After this I called once more on todays date XXXX, and received news that the process still hasnt been approved. I then sat on the phone with a member of their escalations team and she claims that the amount I am owed has somehow been cut in half? This has been a routine with them, taking more money then they should month after month. And when they mess up they take weeks to make it right. This company is ruining lives and needs to be held accountable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: LA

Complaint narrative:
Back in XX/XX/XXXX and XX/XX/XXXX I noticed inaccurate information on my account due to identity theft. I have been fighting with the 3 credit bureaus XXXX, Experian and XXXX  to remove these accounts but they have to respond.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My checking account was closed with a positive balance on XX/XX/2020 without notice and my Veterans Affairs benefits which is exempt from garnishment and has been illegally withheld from me and was told today after speaking to the executive resolutions team that I won't have my fund for over 60 days when I have bills including rent and food for which I depend on my benefits for. Today and am going through hardship due to COVID and want my funds mailed to me immediately and USAA charged fines for this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Have been repeatedly requesting the payoff of this mortgage since XXXX XXXX. My Realtor and Closing attorney have also requested. We have attempted to escalate several times and still no payoff has been sent. This payoff must be given today or the transaction will not close. It was suppossed to close orignially on the XXXX of XXXX. All Selene Financial says when we reach out is the payoff will be sent today. Each day no payoff is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
I have inaccurate account 's on my Transunion, XXXXXXXX  XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020

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 2020-12-31 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: FL

Complaint narrative:
The accounts reporting from XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX are fraud, they are not mine and its affecting my credit score.

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 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: OH

Complaint narrative:
On XX/XX/XXXX, I called the collection agency ( IQ Data International Inc. ) about an undated amount for my debt. I had went back and forth with the original creditor to get an updated amount because of previous negotiations. They collection agency gave me the updated about and continued to negotiate a pay-to-delete for XXXX. They stated that if I wasnt able to pay the balance by XX/XX/XXXX to call them and let them know. I agreed. I called back not 10 minutes later and told them that this agreement wasnt going to work. And they countinued to pressure me to ask family members and collect it somehow by the XXXX. I agreed and was told that if I can not make the payment by the XXXX, to call them and they would cancel the pay-to-delete and we would go to a payment plan. I agreed. On XX/XX/XXXX, I paid on the account {$1000.00} leaving a remaining balance of {$2300.00}. From that time till now, I have tried to come up with the money but things happened in our personal life and we werent able to pay the balance, even taking out a loan. In this amount of time I called the collection agency twice and the line went dead. I dont know if it was my phone or theres. Then on XX/XX/XXXX, I am called by the agency and from the start they attacked me for not paying. I tried to explain my situation and tried to get on a payment plan but they continued to ask where my money is going and being very unprofessional. She continued to say things like my amount could go up and that this would put some type of hurt on my credit. I asked for a manager and the manager was even worst with being unprofessional and yelling at me. I felt attacked from the moment I answered the phone so I reacted how they reacted and nothing really got resolved. I just found it really disturbing that at XXXX, I am being called and yelled at and questioned left and right. And from my phone records, this has been the first time they even tried to call me. That is harassment. They have recorded lines, so you should be able to here my frustration. This has effected me and my fianc emotionally, and it is a debt on both our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
On, XX/XX/2020, my Economic Impact Payment Card was stolen at the XXXX  parking lot in XXXX, CT. My wife 's purse was stolen approximately XXXX from the shopping cart. XXXX Police was called and a police report was issued. 

It looks like the thief used the card after XX/XX/2020 and made several unauthorized transactions ( 27 disputed ). 

I notified Money Network ( A First Data Company ) on XX/XX/2020 that the card was stolen on XX/XX/2020 and all future transactions ( 27 disputed ) was unauthorized. There was also a return made on XX/XX/2020 but I have no idea by who. 

Money Network 's responded on XX/XX/2020. I called them several times. I spoke with XXXX twice and she said don't worry we will review all disputed transactions despite the notices only listed 7 disputes. Later, Money Network responded on XX/XX/2020 that the dispute was considered closed since a return of {$47.00} was made on XX/XX/2020. I did not make this return on XX/XX/2020 since the card was stolen on XX/XX/2020 at XXXX. 

I don't understand Money Network 's position. The card was stolen and a police report was issued. Please assist 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 explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
I have inaccurate account 's on my XXXX, Equifax, XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: FL

Complaint narrative:
I have inaccurate account 's on my XXXX, XXXX, Experian credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020

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 2020-12-31 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: NY

Complaint narrative:
there is a fraud account on my report experian refuses to remove it XXXX XXXX says it has nothing with them i submitted a police report and they still refuse one person said at one point in time it was disputed in a way that was understood to be that i have admitted to the amount owed i never did such a thing i disputed it as fraud from the start now its holding me up in my life i would first go with u next move is civil auction

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