vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: OH

Complaint narrative:
On the night of XXXX XXXX, 2017/early morning of XXXX XXXX, 2017, my debit card was stolen while traveling for work in downtown XXXX, IL. I had used an ATM machine inside of a bar, where I believe my PIN number was compromised and I believe I was targeted from that point to have my debit card stolen. I did not realize that my debit card had been stolen until the next morning and I immediately notified Chase bank of {$2900.00} in fraudulent activity that had occurred on my account. The charges showed a description of transactions at a XXXX in XXXX, IL, which is an hour and a half north of downtown XXXX where I was staying for work. 
I went in to the local Chase branch as soon as they opened at XXXX XXXX to explain the situation and review the account activity. There were five transactions for {$500.00} and one transaction for {$450.00} totaling the {$2900.00}. These transactions occurred at XXXX XXXX, when I was asleep in the hotel in downtown XXXX. 
The Chase branch banker shut down my checking and savings account and opened up new accounts, transferring my funds to the new accounts. She helped me file a fraud claim with Chase for these transactions. 
I have since gone through 4 rounds of escalations with Chase 's Fraud team, but they are denying that the transactions were fraudulent activity. I have provided all of the information to them that I possibly can on where and how I believe my PIN and card were stolen, but they have rejected the claim and have now said they will not re-open the claim. Despite reporting the fraudulent activity just hours after it occurred as soon I woke up, it appears that I will be robbed of the nearly {$3000.00} in fraudulent charges taken against my checking account via Debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 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: NC

Complaint narrative:
About XXXX XXXX, 2017. I paid {$290.00} for a 5 year contract to someone online to fix my computer and keep it working good. About 2 weeks later a man called and said the software he installed was n't compatible with my computer and that he would uninstall it and refund my money. Instead of refunding my money he got access to my Online Banking and was able to trick me which allowed him to take almost {$3000.00} from me. Bank Of America says it was not fraud that caused me to lose the {$3000.00} and I have decided that I will not fight that issue any longer. The issue I have with the credit card company associated with Bank Of America with card ending with XXXX is that the {$290.00} was a fraudulent charge. The company at first refunded the money but now have charged the amount back on the credit card. I received a letter on XXXX XXXX, 2017 requesting more in formation about the matter and stating that I had until XXXX XXXX, 2017 to submit additional information. I submitted that information but there was no way to submit it by the deadline they indicated. The charge was reinstated on XX/XX/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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my 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 2017-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bronstein & Weiss Arbitration
State: OH

Complaint narrative:
I have received numerous voice mails from Weiss and associates telling me that my financial institutions have been contacted and all of my assets will be frozen in the next 72 hours.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Regional Management Corporation
State: TX

Complaint narrative:
I received a copy of my credit reports and see that Credit Recovery Associates is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Credit Recovery Associates. I asked for them to validate the following : 1. Who was the original creditor on this account and what was the account number.? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay them this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants Credit Recovery Associates the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did Credit Recovery Associates pay for this account, and how did you calculate the current amount owed?
I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I called XXXX XXXX XXXX on XXXX XXXX, 2017 to cancel my wireless service for account # XXXX. The overseas XXXX XXXX XXXX call center did n't cancel the service and when I continued receiving a bill for service I was not using XXXX XXXX XXXX finally cancelled the service on XXXX XXXX, 2017. Numerous calls to XXXX XXXX XXXX only provided the " Run - Around '' with no resolution so XXXX XXXX XXXX turned the amount over to Sunrise Credit Services, their account # XXXX. I have advised both parties that I would not pay for services not used. The disputed Amount is {$150.00}. Incidentally I had great difficulty in cancelling three other XXXX XXXX XXXX services due to the move from XXXX to XXXX, But was able to after numerous phone calls was able to accomplish the requested service cancellations. 

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 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary of Complaint I have been a Chase Bank customer for over 50 years. A fraudulent check was cashed out of my account for {$460.00} LAST YEAR, and Chase Bank has been completely unhelpful in rectifying this. I have actively sought their assistance since this happened in 2016 and to date, I still have not been able to get this resolved, nor my money back. I am a XXXX XXXX on a fixed income and jumping through all the hoops they are putting me through to resolve this has become a burden to me and my husband, who is now in ill health. Please help me get my money back so that I can end my relationship with Chase Bank. It is shameful that it has taken this long to get a satisfactory resolution to this case. I have attached a copy of the letter written to a local consumer advocate that details the timeline and provides more information about this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Continued calls with a message that says they are from the " Legal Verification Department ''. They state in the message that legal papers will be filed this afternoon. I have spoken with them and said that the debt is 17 years old. 
The phone numbers that they left me are XXXX and they called from XXXX. I have been receiving these phone calls at home, cell and now they have called my workplace. 
The debt has been discharged and no longer appears on my credit report but they keep calling. 
This is harrassment. When I have told them not to call me that use profanity and get abusive.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Due to the Equifax data breach, I went on their website and tried to freeze my credit Then, I tried freezing my credit on Equifax 's website but it does n't work, the page shows an error message. When I called Equifax, the agents ( XXXX, reference ID XXXX and XXXX, who refused to provide her information and was rude ), were n't able to freeze my credit and refused to provide me the phone number for Equifax in order to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: DC

Complaint narrative:
To Whom It May Concern : I am writing to file a complaint against Transunion, XXXX and the XXXX XXXX XXXX XXXX. 

I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give Transunion a chance to resolve this issue. I filed a re-investigation, and still to no avail Transunion and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Performance Settlement, LLC
State: NY

Complaint narrative:
My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
I 've been dealing with Fedloan Servicing about my status with the Public Service Loan Forgiveness Program. I 've been keeping track of my progress towards my 120 qualifying payments under an approved repayment plan but the information about my payments given to me by Fedloan Servicing seems not very accurate. I 've requested the payment amount be researched further and even spoke with managers but I 'm not getting any information. I 've provided supporting documentation that I 've made additional qualifying payments but I 've still not received any response. I 've been told that I need to provide information that is impossible to obtain based on banking practices. I 've been asked to supply documentation that can not be provided due to the purge of Banks and Lender information after 7 years. I 've worked to keep track of my progress and feel that I 'm being penalized because I 'm close to the 120 payments. My loans were also placed in deferment at times due to their issues with processing paperwork and this was not by my choice. The deferments were placed administratively. During these times, my payments do not count towards my qualifying payments and it 's penalizing me based on their shortcomings. My payments were direct deposited and I 've basically have had no change in employment or limited change in income. I 've supplied the required paperwork in a timely matter and have had to contact them several times about on going paperwork issues. I 've requested, on several occasions, that the matter be addressed due to the time I 've been making qualifying payments but I 'm still not being given any reason nor information. I 've also contacted and attempted to contact the prior lenders about the information that was sent to Fedloan Servicing. I uploaded supporting documentation that verified my qualifying payment history, direct deposit info and qualifying repayment plan but Fedloan states they 're " researching '' and " searching '' for more information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to put a security freeze on my credit reports with Trans Union. I spent all day - well, 2 hours + - and was finally told they would not assist me. I have free TU credit monitoring for a breach last year ( or early 2017 ) with a XXXX XXXX Credit Card, and I have an account at TU for the credit monitoring because of the breech and I have been receiving regular TU email reports for the past 8 or 9 months. I called TU and, after being cut off several times when holding for a representative at TU, and finally being connected to a poor English speaker who asked me for SSAN, DOB, address and such, when she asked my mother 's middle name and I gave it to her, she said she could not assist me. ( I feel there was a language issue ... the representative had poor language skills. When I asked to speak to a supervisor, she told me to hold, and I was simply cut off. ) I intend to keep trying, but today, this was simply an unacceptable experience and a waste of time.

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 2017-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
Elderly woman received call from grandson that he had been in an accident and was now in jail and needed money wired to him to get out. Described all kinds of injuries. Had a supposed public defender ( XXXX XXXX at XXXX case # XXXX ) call with explanations and directions to go to local XXXX XXXX with {$500.00} cash and Western Union the money to : XXXX XXXX XXXX XXXX XXXX XXXX Western Union tracking # XXXX

Company response to consumer: Closed with explanation