vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received an email through my XXXX  email account at XXXX XXXX  XXXX University asking if I wanted to be a secret shopper. Upon responding affirmatively to the email I was sent a letter in the mail that had instructions for me to go to a local XXXX store to buy two gift cards in the amount of {$1300.00} each. The  envelope also contained a cashiers check in the amount of {$2900.00}. The remainder of the funds was supposed to be my " salary '' for doing the secret shopper " job ''. I took the check to my bank ( Chase ) and deposited it in my checking account. They cleared the check and made the funds available in my account. Once that happened I went to the XXXX store to purchase the gift cards. The letter then instructed me to send a text with the codes on the back of the gift cards to XXXX. A couple of days later I was informed by my bank that the cashiers check had now bounced and they demanded the funds. The gift card values have been used by whomever I sent the text to ; and I'm out the entire amount of {$2600.00} ( {$2900.00} - my anticipated salary ). 

Today I went to my Chase branch to explain what happened and that I was a victim of XXXX. They refused to assist me with the loss of funds. I then called the bank where the cashiers check came from and they confirmed that the check is a counterfeit check. I'm asking for assistance in influencing Chase Bank to restore these funds to my account immediately. I'm a college student and the funds I had to use to cover this shortage are my scholarship tuition money. The cashiers check was " from '' XXXX XXXX XXXX XXXX XXXX  ; the Remitter was XXXX XXXX. The check number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ascendium Education Group
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ASCENDIUM EDUCATION has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that KIMBALL TIREY & ST J has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
When the store sales person applied for the card, I wasn't given any information by the XXXX 's store because a wells Fargo member called to give me the info over the phone. After all information provided I accepted the card verbally over the phone. I never saw any written contract online because the store staff did all. The Wells Fargo caller informed me I had a 12 months no interest promotion, and after this 12 months whatever balance is left I will have interests on it. That's how it is with all cards, I understand and accepted. But what happened was different. Once the 12 months came by, I was half way done paying it, Wells Fargo charged all interests back to the 12 months I've already paid, plus all interests of amount owed. That brought my account almost to stage 1, because the amount went high again, I was enable to make more than minimum payment, that resulted in lot more interests of course. Eventually, I just lost control of the account. XXXX XX/XX/2019, I made a payment for the two months that I was behind. I am requesting the conversation the Wells Fargo and I had over the phone, Wells Fargo has not provided yet, they don't want to provide I believe, because I never receive answers about that.. I tried calling more than 20 times, no one seems to care. I spoke with many different people, every time I call I have to repeat over and over again, same story. I will get a lawyer soon if this claim doesn't help, but I want to try one more time before I take drastically actions.

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 monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
we were purchasing a bank owned home that needed work done. we were " sold '' a 203k loan by XXXX XXXX  out of XXXX, CT because this was our best option, with the promise that all receipts had to be collected and a HUD inspector was working in our best interest. XXXX XXXX   said it would hold our mortgage until the work was finished. Our loan was sold to freedom mortgage before the first payment was made. They never collected the subcontractor 's licenses/insurance information. {$140000.00} was paid out to the contractor ( XXXX XXXX    XXXX XXXX ) and the work is nowhere near completed. A subcontractor ( XXXX XXXX  XXXX XXXX, not a licensed plumber ) completed the plumbing work, and per a licensed plumber that came in confirmed everything needs to come out and be re-installed. everything they touched has to be redone correctly. we are now going through arbitration with the contractor, but I feel like the bank should have done a better job. I reached out to our HUD inspector multiple times and he never involved the bank. he advised me to just sign the checks so we didnt hold up the work. I am now paying a monthly mortgage on the full amount of the loan plus the additional money for the improvements. I have asked the bank if there was something we can do ( we were supposed to refinance after the work was completed, should have only taken 6 months ) we are going on 12 months. we can not afford this mortgage and I am trying to avoid foreclosure and ruining my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
Creditor Name : XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX. - XX/XX/XXXX - dispute submitted Creditor Name : XXXX XXXX XXXX - XX/XX/XXXX - dispute submitted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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 — Problem with personal statement of dispute
Company: Flagstar Bank, National Association
State: NJ

Complaint narrative:
XXXX XXXX XXXX bank credit card put my credit card statements as paperless without my permission, resulting in my forgetting to make a payment. This caused a 30 day late occurrence on my credit report. I asked XXXX XXXX XXXX bank to remove the 30 day late occurrence from my credit report and they did not accommodate. 

This practice of tricking consumers into opting into paperless is a common tactic used by many financial institutions that result in late charges for consumers and benefit these institutions, because statements are sent out to consumers. 

something needs to be done about this online malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: PA

Complaint narrative:
since XXXX I have unsuccessfully tried to reach out to Discover Student Loans for assistance with my private student loan repayment. I have sent countless emails, talked to several representatives with little to no help. I understand the debit is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable!!! payment deferment is only a temporary fix - I need a long term solution. After researching student loan modification I stumbled across an article written back in XXXX by Discover Financial Services stating they would be offering loan modifications- the plan would lower interest rates on distressed customers - this option was not offered to me! I understand each situation is different an must be worked out based on each individually borrower. I like many others that are looking for a solution however many complaints show that borrowers who sought to negotiate a modified repayment plan were denied - Why???? Can someone PLEASE help me find a more management solution????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO 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 2019-10-11 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: SC

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.PLEASE BE INFORMAED THAT THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been  successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my checking account on XX/XX/19 under the ' {$200.00} Checking Bonus ' for new accounts that receive a direct deposit of {$500.00} or more within 60 days. BBVA confirmed my qualified direct deposit posted on XX/XX/19 and the 90 day qualification period runs through XX/XX/19. 

I have not received the {$200.00} bonus promotion in my checking account at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
Fist thing I am on fixed income my payment is late every month I have tried to get them to change my payment date they will not they said they change it once but it was a bother company and they change it years ago when I got hurt on job. Now they are always saying I missed a payment when in fact I did not I call in it is always I different date. And then I needed help with my taxes so I got escrow that and hazarded ins that cost XXXX I made a deal with them I would pay XXXX more a month and I have been doing this for two half years and now they are telling me I owe them XXXX and I have to start paying more XXXX and I have been paying XXXX all that money has disappeared they will not help you get different woman every time that looks at my loan and they can not figure it out I messed one pay and I called them next three payment I pay XXXX three times to catch up and I did now I am getting letter they are going to for close on me and I am not missed a payment they bought my note and my life has been living XXXX call none stop home phone and my cell phone Bayview loan servicing XXXX. XXXX XXXX XXXX Florida escrow Department. Bayview servicing XXXX. XXXX XXXX XXXX tx XXXX phone XXXX XXXX XXXX they will not help they say they will and then I always get litter forclose on me I have tried everything XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX/XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I asked for a bill showing what I owe when I saw a medical debt for {$770.00} on my credit report. The bill i received dated for XX/XX/2019 shows it has a {$0.00} balance with nothing due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC
State: NC

Complaint narrative:
On XX/XX/2019 I tried to use my card issued by XXXX to Global Cash Card and was not able to. I called and was told that two online purchases had been made with a XXXX in XXXX, NC. ( I live 100 miles away ) in the amounts of XXXX and XXXX. I informed BOTH XXXX and GlobalCashCard about the removal of funds from my account. Global Cash Card sent me an affidavit ( via mail ) to fill out and return with the police report from XXXX Police Department. I received a response in the mail that there was no error and no credit would be issued with no documentation of how they came to reach that decision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Repeatedly called to arrange payment when payment is not due nor past due. The most recent call was regarding when i would make payment for XXXX. Opened call by stating, " We recieved your payment on XX/XX/XXXX, and want to arrange payment for XXXX. My payment is due on the First of the month, every month. So because in this case it was due on Tuesday, and they received it Monday, they didnt count it for XXXX. If I mail payment date is on a weekend or holiday, they call the next business day to arrange payment. XX/XX/XXXX Sunday, and Monday was XXXX day, on XX/XX/XXXX they called to " arrange payment ''. I had to explain that because of the Holiday and weekend, the mail was probably running behind a day. Ive been cooperative, but the nonsense calls to remind me of payments that arent due is getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hi Discover, I am a new to bank customer and proud to be! However, I have come to a road block and I need help. I was advised by your customer service reps ( please review the calls made on XX/XX/19, apologies for the raising of my voice ) that Discover Bank does NOT send alerts for suspicious activities or alert the customer for holds on purchases. I was baffled by this and could not believe what I was hearing! 

Your reps advised Discover will NOT alert the customer in any fashion of a hold or suspicious alert on the account, rather the customer ( me ) will find out in the middle of a transaction say purchasing groceries. I did research on Discovers website and found this : Dedicated Fraud Specialists -Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything unusual we'll place a hold on those transactions and alert you right away ; Proactive Fraud Monitoring-Your account is monitored for potential fraud and we will alert you if we see anything unusual. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved. https : //www.discover.comXXXX XXXX : I purchased a gift card from an online retailer XXXX, which provides gift cards from various business at a discounted price ( XXXX XXXX XXXX ). I purchased 2 gift  cards for {$16.00} each, I found out the purchase did not go through from the merchant right before I left work, I submitted another purchase and called Discover and spoke with a woman and advised me of discover not notifying its customer of this. Please see attached screen shots

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As  such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief