vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I like many others, according to the XXXX, have been scammed by someone. Early this year i was Online looking for a used RV. I came across this site, XXXX they claim to sell repo vehicles. I contacted them and after discussion via text, phone, and email. They sent me an invoice. I looked up the dealership and low and behold they had a A+ rating on XXXX. And were listed on the local chamber of commerce as a good place. 

On XX/XX/2019 I went to my local Chase branch ( XXXX XXXX XXXX XXXX, XXXX XXXX, WI XXXX ) and spoke to the Customer service rep XXXX XXXX. I explained what was going on and that the seller required a wire transfer. I was on the fence and unsure to send it. But XXXX tole me " The money is guaranteed for scam or fraud. '' So i took that plunge with her assurance. 
The very next day the seller told me they received my money and would start the shipment process. And I never heard from them again. 

Check XXXX  and someone else was also scammed that day. So i left a complaint. 
The next week I reached out to chase and opened a wire transfer fraud claim. Claim # XXXX. It took them 2 weeks to tell me my claim was denied. They had reached out to XXXX  XXXX XXXX and the recipient and asked for my money back. The person refused, XXXX declined and thus Chase denied my refund. Then on XX/XX/2019 I had opened a police report with my local PD. XXXX XXXX, WI case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018 I booked a trip ( 2 tickets myself and my wife ) from XXXX to XXXX XXXX. The " to '' XXXX XXXX flight was overbooked so my reservation was canceled. I contacted XXXX XXXX  on XX/XX/2018 ( they were the airline on my return XXXX XXXX to XXXX flight ) I informed them that my " to '' flight with another airline was canceled. They told me since I had booked the tickets and was cancelling them within 24 hrs that there would not be a problem with a refund. The 2 charges appeard on my credit card statement in the amount of XXXX for each ticket. ( 2 charges of XXXX ) I waiting until my statement closed and there was no refund issued. I filed an online dispute with my credit card Citibank XXXX Visa card. The Citi system only allowed me to dispute 1 of the XXXX charges. I called Citibank and they said there was a system issue and the dispute would apply to both XXXX charges. about a month went by and I was informed that the dispute was resolved in my favor. I received a permanent credit of XXXX. I called Citi bank and inquired as to why I only got 1 credit of XXXX instead of both XXXX charges. I was told there was no record of me disputing the other charge of XXXX so I did it with the rep over the phone for Citi. I was told there would be no issue since the first charge was ruled in my favor. A few more weeks went by and I was informed that the second charge of XXXX was ruled in favor of the airline. I called Citi for an explanation as to why 2 tickets for the same flight could be disputed and only 1 ruled for  me and the other the airline. I was told there was nothing they could do me. I asked again how 2 tickets for the same flight for the same family could be ruled in my favor and against me. I was not given an answer.

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need my personal information update correctly. My name is XXXX XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  )  XXXX ( XXXX )  XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX BANK # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK #  XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need my personal information update correctly. My name is XXXX  XXXX XXXX XXXX please remove any other variation of my name. I have several addresses that are not mine showing on my credit report. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX please remove delete any other addresses they are not mine! Please delete the following numbers : ( XXXX ) XXXX-XXXX  ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX  ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX  ) XXXX-XXXX ( XXXX ) XXXX-XXXX ( XXXX ) XXXX-XXXX they are not mine. My Current Employer is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Please delete/remove any other employer the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX all of these are incorrect and not accurate. I have a unverified information please delete : XXXX XXXX XXXX OHIO DOCKET # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB 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 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My issue is with Sychrony Bank a Mastercard under the store name Walmart. After a request to the company to stop sending late payment requests via email, telephone and text messages. I continue to receive them. I used there automated system to pay my credit card balance in full. I remitted a payment of {$7100.00}. They keep calling me asking me to make a {$180.00} minimum payment. When I dial into the automated system they inform me no payment is due until XX/XX/2019. They have credited me interest and have stated I will not receive any more messages. Since that time. Every day I receive either an email. Text or person calling asking me to remit {$180.00}. I feel harassed. A minimum payment is considered the bare bones to keep the account in good standing. They have a technological issue that is ruining my opinion of the aforementioned companies. I was told it was because I paid after closing and before the statement generated for the next month was printed there was a balance due. The software should have a if then qualifier rational. If payment was more than minimum due no notification is needed. These companies are letting technology dictate their relationships which isn't always the best idea. Output is as good as the human programmer has written the code. It needs to be fixed. Account ending # 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 monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I had XXXX XXXX  in early XXXX. When I left there was no balance. I filed bankruptcy XX/XX/XXXX and it was discharged XX/XX/XXXX. If I was to owe a balance it should have been dismissed. However the date the bill indicate XXXX, is incorrect. I have not had service with them.

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 2019-03-12 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:
Hi my name is XXXX XXXX I did submitted a complaint on my credit report no issue were solved, I am hoping so CFPB may do solve this issue. My mortgage company were reported to credit bureaus for late payment which I did paid at the time when they have been reported to credit bureaus. After I could not proof my innocence with all valid documentations, wich I have all payments, transactions, cleared checks they have cleared, even after I submitted all this legal documents the company still refused to clear their FALSE report. After all this XXXX XXXX game I decided to sell my house to keep me away from this company. After I sold house I call to XXXX, XXXX and Experian credit bureaus. Both XXXX  and XXXX 100 % were cleared my credit which i am very thankful to them, only EXPERIAN DOESNT WANT TO REMOVE THE REPORT. Please contact them otherwise I dont know where to refer. Its been 1 year of nightmare with this issue. Thank you

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 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
The problem start with me trying to send money to my family in XXXX during the XXXX holidays, at a California Check Cashing store via XXXX XXXX. I attempted 3 transactions that day, 2 was authorized, and 1 was supposed to be canceled ; but never really got canceled. The cashier at the time alleges I pulled my card too quickly out of the machine ; that no money was taken out ; that the transaction would be reversed during closing later that day. My bank was able to verify that the transaction that was supposed to be canceled, was showing up as completed. This causes me some economic hardship as I did not have access to my funds, and was assessed late charges for insufficient funds. The bank initially gave me a provisional credit for the outstanding amount, but later reversed it once they determined the transaction was complete. The approximate {$430.00} taken out of my account was never reversed. Its been almost 3 months of back and forth between the bank and the XXXX XXXX XXXX, and I still havent gotten my money back. I am enlisting your help to try to come up with a resolution to this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Trying to get me to pay more when Im broke and I try to pay what I have left due to medical problems calls all the 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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Send off a validation letter to the creditor to show proof with signatures. The creditor sent over a past due bill with no validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. XXXX  , XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 60 days of opening your account. 

2. On XX/XX/XXXX, I met all requirements of the Offer. The bonus did not post. 

3. On XX/XX/XXXX, I contacted customer service for assistance via secure message ( Exhibit B ) and was advised by XXXX XXXX XXXX Specialist XXXX on XX/XX/XXXX that the bonus will be credited to the new personal checking account no later than 125 days from the account opening. 

4. Today is exactly 125 days from the account opening and the bonus has been credited. 

5. Please pay the advertised bonus of {$300.00}. 

6. Else this matter will proceed to trial. 



Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to cancel an EFT from my other linked account to this account. They not only refused to cancel the EFT, but now are keeping the dollar transferred into the account, in order to close this account. So, they caused me to overdraft another account, and now keeping the money transferred because I requested to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I fell behind on my mortgage and I reached out to Chase for help to avoid foreclosure. Chase put me on a repayment plan to get me back on track. The repayment plan started on XXXX the first payment was to be made. I have made my payment for XXXX, XXXX, and the XXXX payment is set to be drafted from my account on XX/XX/XXXX. However, with all the payments being made I got a letter from a attorneys off from chase saying that i am sechluded for foreclosure because they did not receive papers signed by me stating that I accepted the repayment plan. I called Chase and spoke with a lady by the Name of XXXX XXXX and she stated that she did not understand why they kicked me out of the repayment plan cause she see where all the documents were received and all payments are being made. The agreement was received on XXXX and it states that the agreement takes affect once the first payment is received and the first payment was received in XXXX and the second one in XXXX now in XXXX they are telling me they did not get the signed agreement. The have the agreement and all payments have been made. Please assist me with this matter because I have only 3 more payments to get back on track with my mortgage. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax and XXXX XXXX XXXX are fraudulently reporting a negative credit item in the amount of {$210.00} despite being contacted by the FTA and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX. Diversified Consultants, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX  ( an XXXX company ) on XX/XX/XXXX that the balance of {$970.00} has been reported by Diversified as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been denied several checking accounts due to information that I believe to be related to identity theft on this report. When I requested a copy of the report on XX/XX/2019 I was told that i did not pass the authentication with the operator even though I supplied them with an address that I have resided at for over 4 years. I was then told to go online to print out a request then mail it in and that from the time they receive it to give an additional 15 days to receive the report. Due to the sensitivity of this issue potentially being an identity theft issue I feel as though this matter should have been escalated to prevent any further harm being done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was sold by XXXX XXXX XXXX XXXX  to Specialized Loan Servicing ( SPL  ) in XXXX. My first payment due to SPL was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted SPL to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit 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