vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-22 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: FL

Complaint narrative:
Approximately XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, accounting Dept during its monthly bank reconciliation of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) operating account they noticed XXXX withdrawals over a 4-day period from XX/XX/XXXX to XX/XX/XXXX of XXXX each transaction to a XXXX XXXX XXXX XXXX  A total of {$43000.00} was Electronically Fund Transfer from XXXX XXXX XXXX XXXXXXXX XXXX  account to a XXXX XXXX XXXXXXXX XXXX  at Chase Bank. 
XXXX is the property management firm under contract to provide accounting and management services to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
XXXX immediately called XXXXXXXX XXXX XXXXXXXX XXXX in XXXX AZ at XXXX left a message and followed up with an email. 
As XXXX is 2 hours behind XXXX  time zone, I did not receive a call back from until approximately XXXXXXXX XXXX XXXXXXXX was informed that it was being turned over to XXXX XXXX XXXX immediately as soon as XXXX signed and returned to an ACH unauthorized transaction dispute form that was emailed me. XXXX signed and sent back to XXXX. In meantime XXXX placed a hold on XXXXXXXX XXXX XXXXXXXX checking account. All outstanding checks will need to be approved by XXXX to process going forward. 
A new account will be opened going forward. 
At approximately XXXX XXXX on Friday XX/XX/XXXX, XXXX contacted me by email that we would need to file an incident report with the local authorities, XXXX XXXX, Florida Sheriff 's Department and the federal government, FBI, which XXXX sent me the link to. 
XXXX did not receive the email until Sunday XXXX the XXXX and the processes were done on Monday the XXXX, XXXX. 
I wish for there to be a thorough Investigation and that charges be brought if/when a suspect is located.

After nearly 10 months, no funds have been returned nor I have had any indication from Chase on this issue via XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} Above is the list of payments that is my monthly mortgage payment. 
During XXXX of XXXX. I lost my job & request a loan modification. 
Then XXXX I got XXXX, thankfully insurance with my partner.. but then we both lost our jobs & XXXX  at the same time.. again. 
My lender XXXX says I owe them {$18000.00} But the numbers dont add up. 
Now they placed my mortgage in loss Litigation without sending me paperwork to request information of XXXX  and as of today they listed it on a foreclosure auction

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 2022-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I keep telling these people daily I will not give them my personal info, and they call and call again, I told them they are a 3rd party, not the original debtor to show me that I owe them they won't. I want the calls to stop this isn't even on my credit they are harassing me constantly. The lady gets smart each time I tell her to stop it. This is causing stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
So my bank has changed 3 times in the past 8 yrs. Started out as XXXX XXXX XXXX, then to XXXX  XXXX XXXX and now First Interstate Bank. 
They are constantly over draft my account. They constantly authorize transactions without my permission just to overdraft me and they leave transactions pending for weeks on end just to overdraft me. I'm sick of it. They say it's okay with what their doing but yet their being sued by other people. 
They all ready have lawsuits against them for this very reason. XXXX XXXX First Interstate Bank First Interstate bank in XXXX, OR XXXX is conducting fraudulent acts on every person with that bank. Im changing banks as of the 1st of the year I don't have exact dates but I can print everything out and give you dates that way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital one bank360 Spark business checking has a balance of negative $ - XXXX and my savings has only XXXX cents my transfer deposits XX/XX/XXXX {$1500.00} and same time anorher {$1500.00} deposit to my business checking totaling to {$3000.00} but because of the negative {$220.00} balance posted Reduced which i expect to {$2700.00} they hold my account force me to call the bank and told me they gon na closed my business checking and they will send my checking account balance through a check. Then XXXX I deposited {$770.00} and {$400.00} into my savings account after they Closed my checking account for some reason savings account balance was {$1700.00} and stays the same for months by XX/XX/2022 I am withdrawing {$1700.00} but I type in wrong amount I typed in {$1100.00} instead of {$1700.00} so I quickly hit withdraw again entering {$600.00} XXXX this but at the same time the screen of my phone is as someone controlling the system and sudden cause which kead to disappearance of my {$600.00} XXXX dollars and when I called... they lie by saying my total balance is only {$1100.00} surely it's a lie because it's been {$1700.00}. For months XXXX XXXX XXXX I know for the fact of countless log in log out and it is my money period .I know how much my saving they stole the {$600.00} it disappeared in front me while in a process of my XXXX withdrawal seconds apart from the first attempt was a success withdrawal but wrong amount while I was in the process of transferring {$600.00} XXXX this XXXX time remember the first withdrawal was a success but I put in the wrong amount and in the XXXX withdrawal suddenly it disappeared the amount you can't find any traces of {$600.00} is gone. They stole it honestly saying here in CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was effected by the pandemic and went on a forbearance plan, during the plan I was told consecutively on the phone that I could at the end of the forbearance plans that I could role the amount owed to the end of the loan and proceed with my normal payments. Although they continued to raise my mortgage during the pandemic. XX/XX/2021 I called to proceed with my new raised mortgage payment of XXXX, was told that I couldn't make that payment because I had to make the total forbearance payment in the area of XXXX dollars to bring account to current status. Was told that the owner of my loan would not modify my loan because I exceeded the total amount that the owner would allow. This being after several modification applications submitted. I payed XXXX XXXX XXXX firm to help and they didn't help at all. I need my loan modified or refinanced been in this home for 17 years and it has plenty of equity in it. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NY

Complaint narrative:
On XX/XX/2022 a payment transaction was made from my Chase checking account to XXXX XXXX for the amount of {$9000.00}. I do have an account with XXXXXX/XX/XXXXhowever this transaction had nothing to do with any account affiliated with me. I disputed the amount before the transaction went through however Chase said they could not act on it until it went through. Ultimately 2 weeks later they determined that the transaction was not fraudulent based on the fact that I had made prior transactions to XXXX XXXX and even though they were not able to tell if the transaction was made to a completely different account. Their resolution was that I should file a claim with XXXX XXXX which I did however their resolution was that the claim should be made with Chase. I keep getting shuffled between the XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
All 3 credit agencies are reporting debts in collections that are more than 5 years old. Those agencies are XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I submitted a small business credit card application with Chase after they solicited me with an offer. I have uploaded documents directly from the California Secretary of State proving my business address. I have also uploaded documents from my tax return showing my business 's XXXX. These are electronic documents and not scans. Despite this, Chase states, " Unfortunately, we were unable to use them because they were illegible, expired or did not otherwise meet our requirements. '' This response from Chase is unclear. The docs are pristine. They are from a government agency and my tax records so should meet requirements. They are also from the past month so timely. 

I am not sure what to do and feel like the process at Chase is misleading or needs improvement to clarify. I'm sure Chase would like a better client experience, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
My credit file got ran several times without my consent! On XXXX XXXX XXXX this happened without my acknowledgment. Would like something done tonight! My phone number is XXXX! I didnt get approved for car either!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a letter from Wells Fargo on XX/XX/2022 regarding Wells Fargo case # XXXX in which Wells Fargo acknowledged " unauthorized transactions of {$34.00}, XXXX '' they claim " they can not reimburse me because too much time has past since I contacted them ''. 

Since this was regarding savings account XXXX, A FAKE ACCOUNT ACKNOWLEDGED BY THE MEDIATION DEPARTMENT, ( please read mediation letter settlement which identifies remunerable accounts ), I had no knowledge of this until this year. The crime occured in California which has a fraud Law that says there is a three ( 3 ) year statue of limitations from TIME OF DISCOVERY

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 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I received an alert that a company had completed a hard inquiry on my credit file with Experian. I logged in to check and a company called The XXXX XXXX was listed. On another part of Experian 's website, the company was listed as XXXX XXXX XXXX. Both companies list California addresses but I can find no record of either company at those addresses or any other in California. Additionally, the phone number listed for both companies is the same, but no one ever answers at that number. Upon further investigation, I found several recent complaints on the XXXX  website all alleging the same thing-credit reports pulled for unknown reasons. 
I called Experian to dispute the pull, but they said I have to reach out to the company first and get a letter from them to remove the inquiry. ( a company that doesn't exist as far as I can tell ). 
I do not have any past due accounts nor do I have any collection accounts on my credit, and I didn't authorize anyone to pull my credit for any reason.

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 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/2022 {$240.00}, I've reach out to cash app and filed a dispute however they do not have a customer service number, so I had to send a messages through a chat to contact them. But, no one responded and I wasn't able to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Loan XXXX All payment were made XXXX XXXX  on time, Shellpoint incorreclty applied XXXX payment to a wrong account. Shellpoint per written correspondence admitted the error and corrected the error and reversed any late fees and agreed the account was current and actually paid in advance through XX/XX/2023, yet they refuse to correct with credit bureaus and even protested the correction with the bureau contradicting the events and their previous correspondance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My daughter used her XXXX account to pay for groceries. It was XXXX occurances for approximately {$90.00} worth of food. The XXXX purchases ranged from {$5.00} to {$41.00}. When I recieved my Captial One Quicker Silver statement, I was charged {$50.00} in cash advance fees for {$92.00} worth of XXXX transactions. When I asked if that was considered fair and reaonsable, I was told over and over again " that is our fee sir ''. 

Dates XX/XX/22 {$12.00} XXXX - {$10.00} fee XX/XX/22 {$25.00} XXXX - {$10.00} Fee XX/XX/22 {$5.00} XXXX - {$10.00} fee XX/XX/22 {$41.00} XXXX - {$10.00} fee XX/XX/22 {$8.00} XXXX - {$10.00} fee On XXXX - that charge is XXXX  % of what I bought! This is criminal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, I received a text from ( XXXX ) XXXX asking if I attempted a wire transfer of {$9800.00} reply yes or no. I replied no and received a call from the ( XXXX ) XXXX stating this is the Chase fraud dept. They said the account has been compromised and they need to stop the wire and create a new account number and close the current business account. I googled the number and it was confirmed that it was a Chase number. They supposedly created a new account number ( XXXX ) ordered me new checks and debit card. They created a wire transfer to credit the money back into my new account with my name on the wire.The wire of {$16000.00} went through to XXXX XXXX and then they said customer service will call me to set up the new account, username and password in a hour. After waiting an hour I called the same number back and Chase answered telling me it was fraud. They transferred me to the fraud dept and put a dispute action/recall on the wire at it was pending. I went down to my Chase branch and a claim was filed, business account was frozen, new checks and card was ordered. I filled out a " Statement of Fact '' form and faxed into the Chase claims dept. Chase sent a note on XX/XX/XXXX stating denying my claim so I called and had it opened the claim back up and I supplied more evidence that the perpetrators impersonated Chase 's phone number, hacked into the my account and used the alert text number. The second investigation was also denied and now the claim is escalated to the executive office pending review. I have never wired money or filed a claim with Chase. This should have been red flagged and sent me to the branch. Also, My Chase online account was hacked and along with the perpetrators disguising official Chase emails, text alerts and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: IL

Complaint narrative:
4 of my paychecks from XXXX XXXX were not directly deposited into my account- the wrong account number was accidentally given on my direct deposit - XXXX XXXX ( XXXX XXXX XXXX  ) attempted to get funds returned but credit karma/ XXXX  refused to return the funds nor did they deposit the checks in question into the correct account even after the mistake was identified by XXXX XXXX and myself .. checks are dated XXXX through XX/XX/2022 - Credit karma / XXXX  requested the trace ID numbers- the I.D . numbers were provided with copies of the checks from XXXX XXXX ( XXXX ) and they insist that no such trace ID number exists despite the fact that we have the copies from XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: Marlette Funding, LLC
State: MD

Complaint narrative:
BestEgg erroneously reported a paid-off personal loan on my credit report on XX/XX/XXXX. The loan was paid off in XX/XX/XXXX and they reported it as overdue with a current balance of {$3600.00}. My credit score was affected and went down by about XXXX points because of this! I have contacted them and they said they would investigate in the next 30 days. That is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2022-12-22 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief