vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This Chase account was opened through my Amazon account ( introductory offer which saved money on the purchase ). The balance was paid in full on the next statement ( XX/XX/20 statement ). 

Then started receiving debits for XXXX XXXXXXXX on this statement ( XXXX & XXXX ), which was paid on the XX/XX/20 statement ( even though I did not want these services ). I called to cancel services and was on hold for an hour ( 58 minutes to be exact ) and was disconnected by Chase during the transfer process. The account is now starting to receive late fees ( {$39.00} ). 

On the XX/XX/20 statement, started receiving XXXX XXXX charges ( XXXX ) in addition to the XXXX automated debits. I DID NOT ASK FOR ANY OF THESE CHARGES TO BE APPLIED TO THIS ACCOUNT AND CAN NOT GET ANY HELP TO REVERSE THESE CHARGES. 

I finally was able to speak with someone and they want to treat as fraud? This is not a fraud issue. The charges from the partnership with XXXX need to be reversed. I even had to speak with XXXX to have their charges reversed. 

In short, I could not get all fees reversed and fees waived and can not get someone from Chase to assist in resolving this issue. The balance is entirely XXXX fees/late fees and interest. I have never experienced such a bad customer experience. I have now received a charge off letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I closed my account with XXXX XXXX in XX/XX/XXXX, and I returned my equipment in XX/XX/XXXX. I had a bill with XXXX XXXX  that I did not pay and they gave my debt to XXXX XXXX XXXX. I paid a balance of {$330.00} to XXXX XXXX XXXX, and this balance was paid off in XX/XX/XXXX. Somewhere between XXXX XXXX XXXX sending my paid in full balance to XXXX XXXX, XXXX XXXX  gave my account to I C Systems in the month of XX/XX/XXXX for the balance of {$290.00}. I made several calls, and I sent all the paperwork they requested to the I C System and the same with XXXX XXXX. I have disputed this account several times. They are all refusing to comply and accept that I paid off my debt for my XXXXXXXX XXXX services to XXXX XXXX XXXX. 

Please help me with this matter. I am cleaning up my credit, and now this is on my credit report under collections.

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 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I was to receive a refund in the amount of {$200.00} to my credit card following a car rental with XXXX but because my credit card was cancelled by the Bank of America due to my card being compromised the refunded never made it back into my account. Bank of America then pulled the amount from the vendor returning it to me stemming an investigation. XXXX turned in incorrect documentation stating that a refund was issued in the amount of {$200.00}. I then submitted documentation that the refund of {$200.00} that was issued by XXXX was for a prior rental. I have sent in several supporting documents to prove that I am entitled to a refund of {$200.00}. Yet both XXXX and Bank of America has yet to make good on returning my refund amount of {$200.00} and has just ignored the situation all together.

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 2021-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I have successfully completed the trial payments during the FHA loan modification, this is post bankruptcy modification. I successfully submitted my notorized documents, all were verified. My payments have been consistent & not late. The company is failing to disclose the exact details on a ledger of where the funds were derived & where the funds are going as payment. The dates of a ledger do not match up to the dates of insurance or taxes. The dates even demonstrate duplicate transactions without any plus or minus in the columns or with a balance to figure or calculate. I was recently billed additional amount that was not listed in the documents signed prior to modification or in the execution of the new claim or mortgage. This fee fails to carry any invoice to disclose its nature or reason. That is a consumer violation also. My executed documents have not been delivered to my address. The agreement contract allows me the owner to have copies of the filed documents. The XXXX County recorder stated Carrington submitted electronic filing XX/XX/2020 but I the homeowner do not have the promised copies to this executed modification. Please look into this matter. It is also a consumer law violation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
PHEAA wants me to make payments on a student loan that is not mine. For the last five years I have been asking them for a copy of a Promissory Note that I would have signed and as of date, they still have not sent me a copy. I have called and spoke to XXXX XXXX about two weeks ago explaining this again. I made payments on these loans in XXXX thinking that these were loans associated with students loans I have with another Servicer. I stopped making those payments when XXXX contacted me asking for my Social Security Number and DOB. I have asked PHEAA several times over the years to provide me with a copy of a signed Promissory Note and as of date, I still have not received any. 

Back in XXXX, I contacted all three Credit Bureaus and had them remove PHEAA from my credit reports, which they did. It wasn't until around XXXX or XXXX, that they started garnishing my Income taxes. I contacted the Department of Education and was told that PHEAA contacted them to get my personal identifying information, which they gave. I explained to the Department of Education that those loans do not belong to me, but by that time my information had already been compromised. 

I want this company to release me from this debt that I do not owe and to be permanently removed from all three of my credit reports. 

It is not fair for me to pay off someone else 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: VA

Complaint narrative:
I was in contact with XXXX  regarding a Public Record listed in my consumer file. XXXX  stated LCI was the source of information. After multiple calls I finally got the chance to speak with a XXXX XXXX on XX/XX/20. Regarding the public record which contains an Chapter XXXX Bankruptcy. I requested the source of information I was told they do not provide that information. I asked for any file they had on me I was told I needed to contact XXXX. 

LCI Is furnishing inaccurate and incomplete data on my behalf and refuse to update the information. The courts do no provide such data to any 3rd party agencies. Pacer system is not FCRA regulated thus the information that has been reported is illegal. Also pacer is a limited system which a company is not able to properly Identify any individual with only the last 4 digits being available. 
All furnishers of data has an obligation to report true and accurate information. and LCI has failed to do so. LCI did not take the proper steps to ensure the information they collected on my behalf was true and accurate. 
Per FCRA I never gave LCI in Writing nor Verbally consent to furnish nor collect information on my behalf. This also constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX -Present Amounts-unknown XXXX XXXX hackers compromised the data base of Equifax XXXXs XXXX XXXX software and My information was to accessed, I have tried numerous amounts of time to resolve this, my entire credit report has been damaged and mis-reported for over 3 years now because of equifax .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB, Inquired on XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I refinanced my mortgage with LoanDepot.com, Inc. on XX/XX/2020. At closing I was required to put down my tax bill coming due in XX/XX/2020 + an additional 10 % to cover any increases. This amount came out to {$7500.00}. 

This amount was not used to pay taxes in XXXX, 2020 and insufficient escrow funds were used to pay taxes causing overdraft and negative balance. 

I found that the {$7500.00} amount was sent to the settlement agent, Closing XXXX XXXX XXXX, a subsidiary of LoanDepot. But since the tax bill was not due at the time, the settlement agent sent this amount in a check back to LoanDepot five days after closing on XX/XX/2020. I was able to confirm this with check details and images received from the settlement agent. 

The {$7500.00} has never been applied to my mortgage or my escrow account and has completely gone missing. After several attempts to correct this issue, LoanDepot has been unsuccessful at resolving the matter, repeatedly giving excuses like " it was prepaid to XXXX XXXX  XXXX '' which is not possible to do before a tax bill is issued by the town. 

I have copies of my signed closing disclosures and check images and details that I received from the settlement agent. 

Closing Disclosures - Signed ( see Page-2 under other costs ) Settlement Agent - Check ( {$7500.00} sent back to LoanDepot from the settlement agent )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/2021, I filed a dispute with Equifax about the unverified account : XXXX XXXX XXXX account # XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am writing in today in regards to my account with Ally Financial Account # XXXX. Specifically I am writing in regards to the late reporting in XX/XX/2020 and XX/XX/2020. The lates occurred during the unprecedented times during Covid-19 which caused the lates to Occur. The Cares act was passed to assist consumers during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Today is XX/XX/2021. To Transunion and XXXX, your client XXXX  XXXX & XXXX XXXX XXXX XXXX has yet to answer ONE complaint out of more than 100 complaints. They simply list as duplicate eliminating any response from me and never supplying the request. You, as Credit Reporting Agencies, simply forward complaints to XXXX XXXX who you rely upon to verify for truth and accuracy. So truth and accuracy required by FCRA doesn't exist. After almost 4 years, I have yet to receive a copy of the valid permissible permission used to access my personal information that led to two fraudulent car purchases not to mention all the other damages when the theft received a copy of my credit report. XXXX XXXX doesn't want to admit because of liability and have made matters much worse like politicians do. Enough is Enough!!!!!!!!!!! Remove XXXX XXXX and XXXX XXXX XXXX XXXX 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 2021-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
I sent the attached repo removal letter to SETF ( certified ) and they responded saying they only would be willing to talk on the phone or via email. That is against the law that they didn't provide the documentation with my signature on it matching my ID. They are reporting four derogatory accounts to my credit report and refuse to provide the signed contract on any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Every year with TD Bank they purposefully say they never receive my homeowners insurance. They charge me a ridiculous fees. I email, fax and even sent a paper copy of my insurance policy in with my bill. They say thet never get it. At the last minute they say it's been fixed but it never has. Even though i payed and they have cashed my checks they say they can't fix my loan to reflect the correction. It is a scam they try every year to squeeze money out of me or ruin someone's credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 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:
my identity was stolen resulting in fraudulent activities added to my credit file, i am reporting it in hopes of having it corrected at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Order placed with XXXX XXXX XXXX on XX/XX/2020 for item advertised as in-stock. Debit card charged for {$400.00}. Item not received. Tried to contact vendor who is unreachable. Please see complaints against XXXX XXXX XXXX on XXXX. 

Vendor claims on website that he is one man operation and Covid has slowed things down. So it took me awhile to realize that the item was not going to be delivered and that the vendor had scammed me. 

Filed dispute with BMO Harris. Ref # : XXXX Bank denied claim since I authorized the charge. I only authorized the charge if the vendor provided the item.

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 2021-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Previous to XX/XX/2019, we received fraud on our checking account. US Bank advised us to close the account and reopen a new one due to this fraud, of which we did on XX/XX/XXXX. The next month we received a statement saying that we owed them XXXX for credit card/overdraft charges. They said that my husband, when he set up the account, set up for overdraft, when he thought if any overdrafts were to be coming out of his savings. He never signed for a credit card/overdraft protection. This was a special going on at the time and he never signed for it. He never noticed the few overdrafts going to a credit card, only that they were coming from his savings. The company can not prove that he ever signed for this. In the meantime, we have been trying to get help on the phone. When we could not get any help to resolve this issue, we wrote a letter to the President of US Bank. When nothing helped, we called one last time and they said someone would get back to us. A few days later, we received a letter stating that they had written off the {$1200.00} plus interest totaling {$2900.00}. We then called collections and they said to have our lawyer write a letter to US Bank of which he did and we are waiting to hear from them. In the meantime, a XXXX XXXX XXXX told me to write you and that ironically enough, sounded like the scam that XXXX XXXX did ( charged people with a credit card when they did not ask for one and sign up for a new 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 2021-02-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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