vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wednesday, XX/XX/2020 approximately XXXX Chase Bank in XXXX, TX The total was {$800.00} because of the {$3.00} transaction fee. 

I went tot he ATM to get the {$800.00} of our budget money from our XXXX account using the Chase ATM. I have done this many times, near the start of every month. The ATM machine got to the point where the machine sounded like it was counting the money but suddenly gave me an error and spit out a receipt and no money. The receipt said there was an error and to call a Chase phone number, which I did immediately. It took the money out of our account, but gave us no cash. I then went in to talk to the employees who had no solution. I called both Chase Bank and XXXX and no one was able to fix it. I called them all again yesterday and XXXX informed me they are waiting for Chase to respond to their open case. So here we are in day 3 of no budget money so that means no food for my family. I dont understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
SageStream has ignored/refused to provide me copies of reports and scores associated to my identity. 

I have made requests via their website, via the usps and sent faxed and certified mail requests to SageStream multiple times and included any and all documentation the company requests for identity/address verification purposes. 

All requests have gone unanswered. 

No one answers the phone at SageStream either.

I am requesting a copy of my SageStream consumer report, also referred to as a credit report, a consumer file, or a disclosure report and my SageStream credit score.

Requests for my SageStream consumer report and my SageStream credit score were submitted to SageStream ( in multiple formats ) on or about the following dates : -    XX/XX/2019 - XX/XX/2019 - XX/XX/2019 - XX/XX/2019 All proof of identity documentation they request was included with all of the prior requests submitted to their company to confirm my identity ( per their instructions ), but they have not acknowledged any of my requests. 

I am aware of other family and friends experiencing the same type of poor customer service from SageStream as well.

If SageStream wants the ability to be able to profit from collecting consumer / private information and also profit off of this consumer information -- then SageStream should also be required to follow the law which they have failed to do multiple times. 

SageStream is blatantly ignoring their duties and they should not be permitted to violate federal law and or their requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I just checked my credit score and I seen Navient keeps removing thousands of dollars from my account as a payment then adds that same amount back plus more money and THEN added interest. I am being scammed and I have been BY them for years. I need help. I'm in so much debt and they are literally stealing my money under my nose and who knows how long this has been going on. 

I have school I attended, anthem, that was shut down and they refuse to help me with that. Even though I am allowed to get the money returned they absolutely won't help and refuse although I have proof! 


They sell and buy loans back under your nose and this ultimately costs you so much..these loans are from ten yrs ago and I have accumulated so much debt in loans and they try to encourage deferment then when you look at your account you see they have been scheming you because your NOT looking at your account! While In deferment!!! 

I don't even have current documents because I'm in deferment. They sell and buy my loans and change interest rates and it's not ok!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge. This is clearly an error and is NOT my account.THese accounts are fraudulant and I have notified the credit bureaus and authorities. 

JPMCB CARD- XXXX -XX/XX/XXXX JPMCB CARD - XXXX - XX/XX/XXXX JPMCB CARD - balance- {$29000.00} XX/XX/XXXX JPMCB CARD - balance- {$2100.00} XX/XX/XXXX I have noticed this on my record its been misreported for a long time!!! This is outrageous that your company can ruin someones life by letting someone take financial information and use it like this. 
with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Receivables Network
State: IA

Complaint narrative:
First off, I don't owe a balance with XXXX ... I've been harassed by fXXXXr for months now after telling them to cease communication! They violated fair debt collection practices! Then sage capital recovery has called and threatened me with jail time if I didn't pay. The guy, told me I need to learn how to pay my bills! This is harassment and is against federal law!

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 2020-01-10 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: WA

Complaint narrative:
On XX/XX/XXXX while in XXXX XXXX XXXX, we visited a small store and purchased two small jewelry items for our daughter. The total amount was about {$97.00} or {$98.00} USD. I handed my Bank of America Visa card to the clerk who then gave it to another person to run the card. Several minutes later, they informed me that they were having problems with running the card and handed it back. They requested cash which I gave them. 

Later that day, I received an alert on my account a this charge of {$450.00}. I tried to contact the international number, but the call could not be completed. Therefore, I went online and disputed this obviously fraudulent charge. Since I had no way of contacting this merchant, I have not been able to dispute this charge. We were staying in XXXX and not able to return to XXXX XXXX XXXX. 
I further contacted the B of A fraud department by telephone upon our return and described the incident. Clearly, this is a blatantly fraudulent transaction. We never received anything other than what was paid for by cash. Unfortunately, I do not have a receipt for this purchase. 
Having been a B of A client since XXXX, I think my word and sworn statement would take precedence over a fraudulent shopkeeper in XXXX. 
The claim has been denied by the bank. I have responded to them protesting their denial of my claim.

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 2020-01-10 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I had a past due payment on a student loan I co-signed on with my now ex-spouse. My ex-spouse was in bankruptcy, did not inform me she has stopped making the payments, and the bank ( Wells Fargo ) also sent no notifications. I was only made aware by a drop in my credit score. 

I immediately contacted Wells Fargo, brought the account current, and paid the loan off in full. I raised a dispute on the reporting to credit bureaus as I was not notified of the outstanding loan. 

Wells Fargo refused the dispute and would not remove the adverse report. I then disputed the issue with each of the three credit bureaus. 

XXXX and XXXX removed the 30 day late mark and updated my report to indicate good status and the loan paid off. 

XXXX will not remove the 30 day past due indication. I have been unable to contact XXXX  further on the matter. 

I only want to have the adverse 30 day past due mark on my XXXX  report removed, as I had no indications of an issue with the loan. Since XXXX and XXXX have agreed to this, it seems reasonable that XXXX  would, but they will not discuss the matter ; Wells Fargo also will not allow follow-up discussion with the dispute.

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 2020-01-10 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have paid Eastern Account System a total of XXXX on the account, the balance should be XXXX, the balance before was XXXX. I would also like this to removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
XX/XX/2016 penn company claims I owe amount {$4700.00} I have never contracted brought or used any services from this company I have disputed the claim to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: CA

Complaint narrative:
An incorrect medical debt was turned over to First Federal Credit Control ( FFCC ). The medical provider was XXXX XXXX, XXXX, who in turn used a Billing Company. The Billing Company sent me an incorrect bill. I notified them of this multiple times as well as XXXX XXXX and was advised it would be corrected and I would get a new bill every time I spoke to them. Neither company sent the corrected bill and the Billing Company referred the incorrect debt amount to FFCC. Upon receiving the collection notice I immediately called my rep XXXX and advised of the error and dispute. She advised she would look into it and that no credit reporting would occur. After not hearing back after roughly a week I called both XXXX XXXX and the XXXX XXXX and told them of the collection company. XXXX XXXX finally corrected the bill while I was on the phone and I paid them at the same time since the bill was finally corrected. Now a few months later I see that FFCC negatively reported which has affected my credit. This was all due to a billing error and I dont understand why my credit is negatively being affected due to the errors of all three other companies. Nor do I understand why I was the only one trying to fix the error. At this time I want my credit restored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
RE : XXXX XXXX Account # XXXX XXXX Collection Notice- Credit Protection Association , LP Reference # # XXXX, XXXX I have had XXXX XXXX home service for many years. After receiving several incorrect bill amounts and terrible customer service interactions, I contacted Frontier to cancel my service on XX/XX/XXXX and spoke with XXXX 1st.,  XXXX 2nd., then XXXX to cancel my account due to my new service with XXXX. 
On XX/XX/XXXX, all of the equipment associated with the XXXX account was shipped back to them via XXXX.Tracking # XXXX and received a " Proof of Delivery ''. 
My bill dated XX/XX/XXXX states the amount due is {$170.00}. On XX/XX/XXXX, I called and spoke with XXXX to inquire why I was continuing to receive bills from XXXX. She advised they would discount the account and I should receive a call to confirm. On XX/XX/XXXX, I called and spoke with supervisor XXXX confirmation # XXXX to confirm the account should have been closed on XX/XX/XXXX. Continuing to receive a bill for an account that was requested closure, I called and spoke with XXXX on XX/XX/XXXX and was transferred to XXXX, who stated the account would be discounted and backdated to XX/XX/XXXX the original disconnect date. confirmation # XXXX. 
Since this communication, I have received a bill dated XX/XX/XXXX ( {$340.00} ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) and a Collection Notice dated XX/XX/XXXX for the attempting to collect {$370.00}. 
Upon receiving a collection notice, I once again, I attempted to communicate with XXXX XXXX on XXXX XXXX @ XXXX XXXX  Central time. I spoke with XXXX and was transferred to XXXX. After being placed on hold for over 20 minutes, I was disconnected. 
At this time, I have tried all I can to get the account corrected to no avail, I was a previous customer for many years. This kind of treatment is unacceptable and not professional. I'm afraid this company will damage my credit rating by reporting false information and they are not communicating properly. 
I am requesting the Consumer Financial Protection Bureau to please assist me in effort to clear this matter and finalize any debt that is correctly owed. 

Respectfully submitted, XXXX 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 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One closed my account as requested, however the fraudulent charge is still on my account. Because I can't afford to ruin my credit, I've gone ahead and made a payment. Why couldn't Cap One freeze this while they see that the charge is fraud? I just paid {$1700.00} in one month, and was so glad to have a free credit card. Now I do not, and am forced to make a payment? How can I press charges against this company?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/XXXX, I had a severe home leak that necessitated receiving a large insurance check. Since that date, over the past three months I have promptly uploaded and scheduled everything that my mortgage company requested through their partner insuanceclaimcheck.com. Since that time, I have submitted the same form multiple times ( W-9 ) and it has either not uploaded, I have been told the form is too dark, or that the business type is wrong. At this point, no rep can give me a straight answer as to why they will not accept the final form and cut me my final check. This company is now forcefully holding {$23000.00} under the guise that there is something more I need to do ; that they will not tell me. All repairs have been completed and an inspection from their company shows as much.

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 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase. 
The SCAM Broker Story : I was scammed through the company XXXX through a person who calls herself XXXX XXXX. I was promised that they were very credible and professional trading company that would turn my investment into high returns. 
In a few days time, I started investing with them as per their directions. 
My Account Manager from XXXX suggested me to open an account in Coinbase, as money transfer was easier through it and will also cost less. I started transferring my funds from my bank account to Coinbase. 
My Account manager very politely convinced me to share my screen with her to transfer money from Coinbase to their XXXX. As I did not understand all these sophisticated technologies, I did as she said. 
In a few months time, I started demanding profits and was shocked to see their attitude. she completely vanished from all modes of contact. At the same time, I learned this Company is FRAUDULENT from reviews of the same victims like me and I immediately contacted Coinbase and explained my situation. 
Despite all my requests since a month there has been no genuine responsibility shown on their part ( see attached as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I DISCOVERED THAT THER IS BMW FINANCIAL SERVICES/CREDIT ACCOUNT ( ACC NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD BMW ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, XXXX, XXXX, AND XXXX  DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY XXXX  REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: SLM CORPORATION
State: FL

Complaint narrative:
I AM DISPUTING THE ACCOUNT FOR THE INACCURATE LATE PAYMENT, THE LATE PAYMENT IS INACCURATE BECAUSE THE ACCOUNT IS PAID FOR. PLEASE CORRECT THE ACCOUNT WITH THE CORRECT INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I DISCOVERED THAT THER IS XXXX XXXX XXXX ACCOUNT ( XXXX NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD XXXX ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, EXPERIAN, XXXX, AND XXXX DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY EXPERIAN REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

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 2020-01-11 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-11 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-01-11 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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