vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 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: OR

Complaint narrative:
On XX/XX/XXXX, I opened a credit card account with Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX account number XXXX this account can be seen on my credit report ( See exhibit A ). I paid this account monthly as seen on the history from my bank payments ( See exhibit B ). On XX/XX/XXXX, I purchased a product for my XXXX  through XXXX XXXX  XXXX in the amount of {$370.00} ( See exhibit C ) and used the card mentioned above to pay for this purchase. 
Some time whet by and I did not install the product I had purchased and at the end of XX/XX/XXXX I realized the item I ordered was the wrong product for my XXXX. I contacted the merchant I purchased the product from, and they agreed to refund me for the purchase ( less shipping ), and I purchased the correct product using a different credit card. 
During the time frame between when I ordered this product and the time I realized the product was not the right product I had closed some of my credit card accounts that I was no longer planning on using and the account ending in XXXX and one other account at Chase were closed during this period. 
The attached exhibit D shows where the merchant refunded the amount of {$360.00} to the credit card ending in XXXX that I had closed with Chase. Exhibit E shows the transaction ID numbers from the merchant showing the original purchase and the amount refunded to my account ending in XXXX of {$360.00}. 
I spoke with the merchant and Chase on numerous occasions attempting to get this refunded amount tracked down and resolved. Exhibit F is a copy of the email I sent to the merchant after numerous discussions with Chase and the merchant. Exhibit G is a copy of the letter I received from Chase after they did an investigation of this matter and according to Chase this account never existed, they have no record of this account number or the transactions even though I provided them with all the documentation showing these transactions. 
Exhibit H is a copy of the last e-mail I received from the merchant indicating that his accountant has reviewed all these transactions and Chase ( who also processes the merchants credit card charges ) says I was credited these funds and the funds were not returned to the merchants account. I have discussed this matter at every level I have access to at Chase and provided them with this documentation and they still today claim that there is nothing they can do for me because they dont show this account existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
CARRINGTON Mortgage is servicing the USDA loans wrong. I paid off my mortgage before the next annual fee was due, and they charge the annual fee for October 2021-September 2022, I paid off my loan in XX/XX/XXXX. 
I called to dispute the amount I received from my escrow balance since it was missing about {$420.00}. They stated that the USDA are backpay, so the fee they charged was to cover for XX/XX/XXXX to XX/XX/XXXX. I know that is information they are giving is completely wrong. 
They are charging me for an annual fee when the loan does not exist anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I was granted a forbearance under CARES. Now Rushmore Loan Management has sent me a letter saying I'm " delinquent '' and demanding {$35000.00} by XX/XX/21, which is 8 days from now ( their bill arrived yesterday, XX/XX/XXXX ). They're charging some late fees and the entire amount due since the forbearance began, as well as some additional amounts that are unclear, as the itemized numbers they list do not equal the total they're asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
Prepaid card was purchased on XX/XX/21 and was not used. Funds were kept by bank at expiration of the card. My card has expired but the funds have not and should be returned. 

Transaction details below from OmniCard : DATE MERCHANT TYPE STATUS AMOUNT BALANCE XXXX XXXX N/A Sweep Funds ( Breakage ) - Expired Card/Closed Account Posted $ XXXX {$0.00} XXXX XXXX XXXX XXXX Value Load -- Activation Posted {$50.00} {$50.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: AZ

Complaint narrative:
I received a letter from XXXX XXXX XXXX regarding loan consolidation and loan forgiveness. After contacting XXXX XXXX with the customer service number provided in the letter, I spoke with a representative who explained the letter and after hearing about the benefits I decided to proceed. No payments that I've made to XXXX XXXX XXXX have been used toward my student loans and no paper work was filed on their part ( even with the outrageous service charge ). My first service charge was for {$890.00} on XX/XX/XXXX and I've been charged a monthly fee ( which I understood to count towards my loans ) of {$39.00} until closing my checking account in XXXX of XXXX. After trying to contact them to inquire where my payments have been going, my phone number has been blocked, emails are left unanswered and I no longer am able to communicate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I give Consumer Financial Protection Bureau authorization to communicate, investigate and be the third party on my behalf. I have constantly sent Experian notices to update an account XXXX  to XXXX balance since XXXX. Experian uses tactics such as they do not have me in the system under my name when communicating back to CFPB yet they are easily reporting incorrect data under my file. Experian has proof of who I and I've sent my social security and driver 's license. Experian is continuing to VIOLATE my rights. When will the violations and inaccurate reportings stop? Attached is a drover license.

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 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I pulled my credit reports back in XX/XX/2021, I noticed 2 collections on there and sent a validation letter to both the provider and the collection agency, this process has been going on since XXXX. In trying to deal with this matter I talked to my insurance company which they never received an itemized bill detailing correct XXXX codes XXXX or procedure description They also informed me that the provider office failed to submit a correct itemized bill within the 90-day submittal time frame that it is against their contract to bill the patient. Not to mention, the collection agency is unlawful re-aging both of these accounts every month. 

Ive attached documentation of what Ive sent the provider as well as the collection agency, and Not only do I not hear back from either of them, but it is still reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries.. 
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX  XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX  S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that VALLEY CREDIT would verify the debt. So I took it upon myself to ask VALLEY CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXXth. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glass Mountain Capital, LLC
State: IL

Complaint narrative:
I closed my account with XXXX in XX/XX/2020 However, they Did not follow my instructions and continued late fees and interest. 
Currently they havea fraudulent amount in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2021 someone stole {$800.00} ( XXXX and {$300.00} ) from my checking account using 2 separate ATM machines/locations. On XX/XX/XXXX ( a Saturday ) I noticed my account was emptied when I tried to check out at a store and a nominal amount would not go through. I quickly checked my account on my phone and saw these two ATM withdrawals that I DID NOT DO. It should be noted that I have never withdrawn funds from my account via ATM 's for the entire time, almost 5 years, I've been a customer of TD Bank. I only occasionally would get {$20.00} cash back from my grocery shopping. This is easily checked by them. I have NEVER given my card to anyone else to use. I called TD 's bank fraud hotline wherein they told me to follow up in person on Monday, which I did. I went in person to a TD Bank branch near me an reported this theft. They closed that card and gave me a new temporary card. The bank officer told me I'd need to file a police report and bring back a copy and she would submit it to their fraud department. I did that and emailed and hand delivered the police report on XX/XX/2021. XX/XX/XXXX I returned to the bank to inquire about my funds and theft and the bank officer said it was DENIED. She resubmitted the report of theft along with the police report. On XX/XX/XXXX I sent a follow up letter about this theft and the fact that they did not credit me my stolen funds. On XX/XX/XXXX I submitted another letter via email and hand delivered copies of my letter about this theft. I kept checking my account for the return of my stolen funds, They do not acknowledge my emails/ letters and treat me as a nuisance and a criminal when I go in person. I AM THE VICTIM. I am a student this was every cent I had. They still have not credited me back my stolen money nor did they do a genuine investigation. They refuse to bring up/obtain the videos of the thief who stole my money. They have no email nor any personnel listed for a fraud/theft department on line ; this is unethical. They have not credited me back my funds I was advised that this is a violation of Banking Regulation E and I have subsequently filed a complaint with the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made several attempts to get my personal information updated. I did a couple of disputes online only for it to be corrected for 30 days and all of the same inaccuracies were back.

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I received a mail notification from credit collection services on XX/XX/XXXX to collect a debt from XXXX XXXX XXXX XXXX ( a company I have never used ). The fraudulent insurance policy ran from XXXX at XXXX. 
Policy was for 3 vehicles ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) registered at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 
Collection agency was notified about fraudulent claims and police report will be filed. Person of interest possibly linked to this fraudulent claim is XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I XXXX, XXXX have no contract / agreement with Midland Credit management. They created this account with out my consent and this is identity theft. The Attached document clearly states the Original Creditor is XXXX XXXX XXXX XXXX and I didn't agree to a contract with them either. I formed an agreement with XXXX XXXX which was paid in full when I Indoresed the consumer Credit Contract which is an instrument pursuant 16 CFR 433.1. When I Indorsed the Instrument a purchase money loan was submitted and I the consumer should have received to handle this matter but I never did. Pursuant to 12 U.S.C. 24 Seventh clearly states banks can't hold Securities nor does it say anything about lending out credit anywhere In the whole code. Banks aren't allowed to lend credit and that has been ruled on many times by the Supreme Court. 

If Midland Credit Management can Produce a Valid contract between XXXX XXXX and Midland Credit Management stating I agreed to pay any alleged debt please prove your claim. If you can't prove your claim you don't have one. " When no guarantee is made, No guarantee is given. '' There is no obligation to fulfill any contract that an individual has been forced, coerced, threatened, or fraudulently made to enter/ take part in by any means. There must also be full disclosure of the obligations and effects within the contract unless the one receiving the benefit of the contract waives the right to full disclosure ( of their own free will ) Contract must have - Consideration - meeting of the minds- must not be of unsound mind - offer and acceptance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 someone gained unauthorized access into my account by cloning my SIM card and then stole over {$3100.00} of Bitcoin from me and sent it to another account. Oh and they bought {$1000.00} worth of XXXX using my bank account which was linked to my Coinbase account before they did that. 

Coinbase has treated this like it's my fault and once I disputed that transaction with my bank for {$1000.00} they told me that I owe them that money now. I understand the cryptocurrency is not insured at all but coinbase should have been a little bit more helpful with this matter. They must know where the money went. Also I wouldn't be the least bit surprised to find out that someone from coinbase took my money. Someone had to of targeted me since my XXXX was not in a cold wallet. I thought it would be safe on the app but I guess I was wrong. 

To top it all off I have not been able to access my account and keep getting an error message that says they can't verify my ID and my webcam is not working when I know that my webcam is perfectly fine. I was going to withdraw the rest of what I could that wasn't stolen but I have not have access and now they're telling me they're going to take the remaining cryptocurrency that I have because of the transfer not working when Im not the one who even made the transfer it was unauthorized. 

To sum it up Coinbase is not safe to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to update my address and it has been requested 4 times over the past six months in writing and by phone. Verifying documents have been provided with request submitted in writing and on XX/XX/21 Equifax verified me over the phone and advised my address was updated but this is false as of XX/XX/21 my address is still reporting inaccurately. I am a victim of identity theft and this is a serious issue. My address must be corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom it May Concern, I recently pulled my credit reports and noticed you are reporting the incorrect balance for this account, ACCOUNT NAME-XXXX XXXX  ACCOUNT # - XXXX**** BALANCE- {$3000.00} This account has not been properly verified, Please delete this account immediately.

Company response to consumer: Closed with explanation