vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern.. 
My name is XXXX XXXX and I am a victim of identity theft. As a result of XXXX XXXX XXXX data breach which occurred in late XX/XX/XXXX, my personal information, including SSN, were compromised and fraudulent access was gained to my JP Morgan Chase bank account. In additional to other fraud with this checking account which has been resolved, {$30000.00} was taken from my bank account. I notified JPM Chase within a week of the fraud but they are saying that, because I did not close and reopen the checking account after my previous existing account fraud, they are refusing to refund the money stolen from my account. This is not something I was ever told to do and, honestly, seems like a protective measure they should have proactively done for me in the first place to prevent further fraud. I have requested they listen to the calls to see whether I was even told to do this but do not know whether they are doing this for me. Furthermore, they are stating the $ XXXX was taken out more than 60 days after the time the previous fraud was reported to them but, from my perspective, these are separate incidents with separate time frames. 
We have followed the proper procedures in disputing with JPM Chase bank and they have been unhelpful thus far. I have spent countless hours, fruitlessly, attempting to retrieve my money that they allowed to be stolen. I have sought the assistance of Detective XXXX XXXX at XXXX Police Department in New Jersey, who said he would subpoena the phone and ticket records from Chase, but he has not returned any of my multiple attempts for follow up. 
Below are the series of events : XX/XX/XXXX First unresolved fraudulent charges withdrawn from my Checking account XX/XX/XXXX Identified the fraudulent charges and notified JPM Chase XX/XX/XXXX Received the official claim forms from Chase. Signed and dated the same day and faxed back to Chase XX/XX/XXXX Received first letter from Chase bank denying the claim XXXX I called Chase to reconsider the denied claim. They said they would reconsider. 
XX/XX/XXXX Received another letter from Chase saying the disputed transactions would remain on the account and the claim was denied. 
Between then and now I have spoken to Chase many times without resolution Because JPM Chase bank is not following their own regulations for fraud resolution for money taken from an existing account, and my local police have been unhelpful so far I am seeking assistance from your organization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX sold debt to XXXX XXXX/XXXX XXXX who was paid XX/XX/2018. XXXX XXXX is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. Equifax and XXXX will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach XXXX XXXX to obtain a letter as that is what the credit bureaus are requesting and XXXX XXXX refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. XXXX XXXX is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with XXXX XXXX, solely that they are reporting an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am writing in reference to a dispute with Chase Auto-finance on my credit report for a " missed payment ''. Enclosed you will find supporting documents for my dispute regarding my missed payment according to Chase. Chase alleges that my payment was late in for XXXX, but per the attached supporting documents of Chase statements dating XX/XX/18 to present, the XXXX statement shows no payment due for XXXX ( XX/XX/18 ) and an XXXX payment of {$410.00} for XXXX ( XX/XX/18 ). Thus I did not make a payment for XXXX XX/XX/18 and attempted to make a payment in XXXX several times. 
In attempts to make my payments, Chase customer service was unable to process payments due to an error on their part regarding the account number for my financial institution. I attempted to reconcile the account and pay what was owed but due to their error on their part the payment was reversed several times : XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 WAIVED LATE CHARGE {$20.00} XXXX-18 REVERSED PAYMENT {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00} XXXX-18 PAYMENT - BASE RENT XXXX ; TAX XXXX {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification.

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 2018-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Debt Management Solutions, LLC
State: VA

Complaint narrative:
This is a debt from XX/XX/2011in which I returned a vehicle because I could no longer pay XXXX XXXX because the car was a lemon but I continued to pay for it until it broke down and I returned it to company voluntary. It was Sold to this company XXXX XXXX XXXX XXXX  who harassed me in the past stating I owed them XXXX. Because car didn't sell at auction for a good price and I had to pay balance. I bought the car for XXXX and had for over 3 years before giving it back. I did not owe what they're saying and had been paying them for 4 years XXXX a month and they are still saying I owe XXXX with crazy finance charges. I have never been given documents regarding the sell of vehicle or what was owed from sell. My understanding the original company write it off as bad debt and this company bought it. I don't believe I owe them that amount. The statute of limitations has long passed because it's a debt the last payment made to the original company was XX/XX/2011. I have asked them to stop calling my job and they continue to harass and leave messages with my coworkers and main answer in machine. I would like to be contacted by mail with proof I really owe them after being harassed to pay them for the last four years but never got proof it's legit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Netspend Corporation
State: CA

Complaint narrative:
my direct deposit is 3 days late as of XX/XX/XXXX, and hace been given zero reason from XXXX/netspend.

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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
False information being reported On my credit I never been here or used this company for Anything dont know how they are able by law to use my SS NUMBER this is fraudulent and need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: NC

Complaint narrative:
XXXX XXXX is not my account

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 2018-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC
State: FL

Complaint narrative:
Pleased revise my personal documents that I have like a certified FRAUD EXAMINER AFFIDAVIT .Qualified written request findings securitization audit report voluntary liens report ; That I have I request for a proof off claim ton XXXX AND XXXX XXXX ( XXXX XXXX ) An never give to me this proof of claim. 
Conclusion of the report that I have is : XXXX XXXX XXXX XXXX DOES NOT have standing to foreclose on the subject property as it not the holder in due course of the subject loan. According to the PSA which created the trust which currently owns the loan. The only possible holder in due course is XXXX XXXX XXXX XXXX XXXX as trustee for the XXXX XXXX mortgage 's LOAN trust XXXX.Howewere, XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX   XXXX XXXX THEIR OWN SECURITIZATION TRUS DOCUMENTS. Therefore, XXXX XXXX XXXX XXXX XXXX LOST ITS INTEREST IN THE SUBJECT PROPRTY and its right to foreclosure by violating its own PSA.GIVING BOTH THE HOMEOWNER AND THE XXXX investor cause of action for fraud. 

I Have a proof with serious documents that certified this and Certified Fraud Examiner Affidavit. I'm looking for help to save my home. I was looking in my credit and all data about my Mortgages is not there I tray to negotiated with the people but they transfer to Loan care Servicing and I send 26 Modification to them but they only denied now I send this to your department because I what to enforce that the send me a PROOF CLAIM AND SHOW ME A REAL DOCUMENTS. PLEASE SEND ME AND EMAIL I CAN SEND TO YOU ALL MY PROOF AND LEGAL PROOF OF WHAT I DISPUTED. 
THANKS FOR YOU HELP! 
Thanks for your valuable help! 
XXXX XXXX XXXX direct number ( XXXX ) XXXX I hope you can help me whit this matter

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 2018-10-17 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: MO

Complaint narrative:
Letter was written to Experian credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given 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 2018-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Direct Deposit scheduled for XX/XX/15 and never received was told by company it would be fixed by XXXX and several people have gone days with no deposits after being promised it would be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/2018, XXXX XXXX XXXX  charged {$1400.00} as down payment to move. Contract stipulated if they were unable to complete move by specified date, I would be refunded the deposit. XXXX XXXX XXXX was unable to meet contract requirements but refused to refund money. They claim to be direct movers and do not broker their moves. When I investigated them on DOT, they do not even have any vehicles to do moves. I have disputed transaction 4 times with PNC. PNC denied all 4 disputes, never allowing me to provide documents ( including the contract ) to support my claim. Their explanation for denial stated I did not try to work with XXXX to have reversed by them. I have that email support showing where I contacted them to have them refund the money and they rejected my request. Documents to support this were not on this device, but I can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION
State: MN

Complaint narrative:
I have received 10 robo calls from XXXX XXXX XXXX in the last 4 days. I do not have any debt to this company and never have. I have asked them to stop the calls. The call frequency has increased since I spoke with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
We have FHA loan and our PMI payment is {$180.00} which is over 10 % of our mortgage payment per month. We have over 20 % equity in our house and M & T Bank is our servicer. We have requested to drop PMI but M & T doesn't agree and states states it is for lifetime of the loan. This is a lot of money per month for us and we thought it was for short term and will go away as soon as we have some equity build up.. Now we are questioning if we can sustain it for a long period.

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 2018-10-17 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: MO

Complaint narrative:
Letter was written to XXXX credit bureau to remove incorrect information of my credit report about an account which is not mine. Has already been removed from XXXX. When another letter was sent to reinvestigate or to obtain all information that was found by the credit bureau, was denied that right which is illegal due to the FCRA and was told no reinvestigation would be done and no information was given 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 2018-10-17 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: MO

Complaint narrative:
A letter was sent to TransUnion credit bureau to get an account removed from credit report which is false. The incorrect item still remains on my credit report which should be removed. Also did not respond within 30 days.

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 2018-10-17 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:
There is a error on my credit report with Experian, They are reporting a charge off account with XXXX that does not belong to me. I have submitted a dispute along with a letter from XXXX confirming that the account does not belong to me and should be removed from my credit file. 

Out of all 3 reporting companies, Experian is the only one that has failed to remove it from my report.

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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted a dispute to Experian for multiple inaccuracies found on my credit report. Mainly a report of Bankruptcy on my report and the status of multiple accounts showing as " account included in bankruptcy. '' I never filed for bankruptcy and there should be no reference mentioned on my credit file. 


The investigation from Experian came back as verified for accounts such as : XXXX XXXX, XXXX and XXXX. All of these accounts also show paid/never late.

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 2018-10-17 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
On XX/XX/18 my Amex card was charged for a Condo I booked through XXXX XXXX XXXX in XXXX XXXX, AL. On my way down ( XX/XX/18 ), I text XXXX XXXX of XXXX XXXX XXXX requesting the information needed to get into the Condo. She immediately admitted that there was an issue and that she overbooked. She later tried to say the Condo had flooded. At this point, she took my credit card number and booked another condo through Vacation Rentals By Owner. She did so without my consent. I thought she booked through another agent and was going to use what I had already been billed for to cover the cost. She also promised me a XXXX dollar credit because the first night was spent in a dump and nothing close to what I had booked. My Amex card was then billed for XXXX by XXXX. I did not learn this until my Amex bill came in on XX/XX/18. I worked with the merchant through text and phone calls in an effort to clear the matter up, and finally gave up and started calling the merchant at XXXX to clear things up. I finally gave up when nobody was willing to help and disputed both charges with Amex ... the original XXXX from XXXX XXXX and the XXXX from XXXX. I have numerous text proving that I do not owe both properties and that I am due a credit of XXXX from XXXX XXXX. I explained the situation to Amex and they said they would invistigate. The only communication I have received from Amex was a letter saying the charges were removed until further notice. I finally reached out to them our XX/XX/18 to see if they wanted any of the text that I had between me and the two property managers. They said sure, but when I was able to submit it this past Monday, XX/XX/18, they had closed out the dispute. I received a letter today that said the investigation was closed and that I had booked both properties. In that letter alone there is a lot to be questioned. For example, the spelling of the receipts they were provided had two different spellings of my last name. They also never checked the IP address where the properties were booked. Nor is it possible to get through to the merchant on the phone number provided on line. They simply either did not investigate at all or somehow had another contact number for XXXX at XXXX XXXX XXXX and took for her word as the truth. They summed their report of by saying that the properties were less than six minutes apart and I booked both. Very Very poor investigation. I have countless text to prove that I only booked one property and the events that occurred after. Please help me resolve this.

Company response to consumer: Closed with explanation