vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed in writing an overcharge on my card statement and the credit card company called me to dismiss it in spite of the overwhelming evidence. They will go by whatever the merchant bills me for, not by what it was agreed upon and signed. If the merchant had decided to bill me for ten times the agreed, signed amount that would be fine with my card issuer, as they told me.. 

I disputed a XX/XX/2018 charge of XXXX XXXX on my card in the amount of USD XXXX. 

The SIGNED Agreement with this merchant was for Euro XXXX plus incidentals, if any. The merchant charged a larger amount by arbitrarily and unilaterally removing the agreed 12 % discount on the SIGNED Agreement, and thus overcharging me by Euro XXXX ( equivalent to the disputed USD XXXX at the exchange rate applied for the charge ). 

There were no additional charges or incidentals that could justify the overcharge. I contacted the merchant and they refused to correct the overcharge. The credit card issuer summarily dismissed the dispute in spite of attaching a copy of the SIGNED Agreement as well as a copy of the inflated unilateral bill that the merchant charged to my account. The credit card company called me and even the supervisor stated that since I signed an Agreement, the amount and concepts on the Agreement are irrelevant, and only what the merchant decides to charge later counts for them. 

This is fraudulent on the part of the merchant and on the part of the card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at XXXX and experian they wouldn't take care of the negative inquiries reporting 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
Consumer complaint received 2018-08-29 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: NY

Complaint narrative:
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.

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 2018-08-29 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: NY

Complaint narrative:
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I have previously and recently filed a complaint about this collections agency, but this new complaint is because after contacting the credit bureau about this account, the representative states that the collections agency reports a debt of {$820.00}, whereas on the credit report that I received, the collections agency reports the debt to be {$830.00}. The representative also stated that the original creditor is XXXX XXXX, while on my copy of the report the original credit is listed as XXXX XXXX XXXX. With the discrepancies of these two different sets of information, my point of identity theft is further proven, as neither I have ever been to XXXX XXXX nor XXXX XXXX XXXX. Additionally, having two different entries ( for both the original creditor and amount of debt ) reported by this collections agency shows there is misinformation, as well as negligence.

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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
from XX/XX/XXXX to XX/XX/XXXXmy current Landlord of nearly 9 years at XXXX XXXX in XXXX Michigan, have over 9 judgements on my Rent grow tenant report. i disputed this with rent grow on XX/XX/XXXX, they informed me the info was provided to them by Transunion screening service at XXXX XXXX XXXX. After contact Transunion screening service i found out that they were also showing that i have 3 open accounts that they added to the dismissal log on my report told me to call the 47th district court at XXXX XXXX XXXX to have them deleted i called left a message on the courts voicemail, no reponse.

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 2018-08-29 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Someone transferred {$500000.00} ( XXXX XXXX  XXXX ) from my Business Savings account on XX/XX/2018 to some account in XXXX XXXX. 
I filed a compliant with Chase Bank claim number is XXXX Chase has confirmed this is fraudulent activity and yet they want to wait to reimburse me until they recover the money from XXXX. They are not able to help and continue to pass from department to department. The bottom line is this was a wire transfer that was not authorized and the bank failed at multiple check points and now they are not willing to help. They allowed the money out but do not want to return the money until they resolve with the fraudulent account holder XXXX. Chase has not helped resolve this matter. Our money is not protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have tried everything in my power to keep my home but i have been denied for all options except Short sale. After finally my agent found a buyer and submitted an offer for XXXX the lender rejected it and wanted a higher amount. On XX/XX/2018 a Counter offer to Select Portfolio Servicing was submitted and have requested the Short sell to be reviewed. 
When I originally submitted my short sell request the offer was not accepted and a counter offer was requested, I have provided all documentation requested from me to comply with the counter offer. I and my realtor have been in constant contact with Select Portfolio Servicing to check on the status of the short sell. After submitting all documents to Select Portfolio Servicing I was informed that the Short sell was declined due to upcoming foreclosure date of XX/XX/18. 
I have filed a complaint with the consumer financial Protection Bureau, and have requested a qualify Written Request regarding Select Portfolio Servicing not allowing for a proper review of Short sell. You ( Select Portfolio Servicing ) will not review any workout solution and you are now forcibly trying to foreclose my home without following the proper procedures. 
If you proceed with this foreclosure you will be violating Homeowners Bill of Rights [ SB 900 ] in an illegal foreclosure. Under Dual tracking It is illegal for Select Portfolio Servicing to send foreclosure notice as negotiations for a modification or short sale are still underway, It is illegal for a lender to deny a short sale or modification without providing a written explanation and a 30 day period to appeal the denial. 
Under the denial Letter dated XX/XX/18 I am still intitled to a 30 day to appeal or review. I have submitted documentation XX/XX/18 for review. If you continue with the foreclosure I will be committed to proceed with a lawsuit and fight this illegal foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Never recived information on debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: GA

Complaint narrative:
I repeatedly asked for evidence from XXXX, TransUnion, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified 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 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting that I have a student loan from them which I have never applied for. I have sent letters to XXXX  and XXXX to remove creditor from my credit report because I am not aware of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Account Discovery Systems, LLC
State: IN

Complaint narrative:
XX/XX/2018 a guy named XXXX called and left a voicemail on my phone stating he need to get ahold of me for paperwork to be sent to my employer for verification. At no time in the voice mail did he identify as a debt collector or state what the call was about. I called back on the XXXX XXXX XXXX a recording told me to hold for the next person again never said it's a debt collector. Then a guy who said his name was XXXX XXXX answer and again nothing about being a debt collector was said. At this point I didn't know who they are or what they need I asked for XXXX as he instructed in the message. The guy said he was gone for the day but he works closely with him what do i need. I told him about the message and then started that i felt like this is a debt collection and if it is that is against the law for them to not identify as such. He then got very rude and stated that he could not help me that I would need to call back tomorrow of wait for the next call from them if I wanted to know what the matter was about. He then hung up on me. I called back and informed him that if he was indeed a debt collector to seize and desist their attempts to contact me over the phone or with my employer. That still never said they where a collection agency and also never informed if the call was recorded. The company is Account Discovery Systems LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/2018 I received three letters from XXXX in response to three Employment Certification Forms sent on XX/XX/2018. Original copies of all three Employment Certification Forms from three separate school districts were sent to XXXX via USPS Priority Mail. Copies of each were taken and maintained along with Priority Mail receipt. 


All three letters from XXXX denied PSLF qualification. The first denial was based on " certified employment dates listed on ( your ) ECF were prior to the date ( you ) received ( your ) Direct Loans that would be eligible for PSLF. '' The second denial was based on " Your employer did not provide the begin date of your employment in Section 3. The authorized official at your employer should contact us within 90 days of the date of this letter to provide us with this information so we can process your request. If you want us to consider your request after the 90 days, complete and submit new ECF and make sure to complete all of the required fields. '' This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the begin date in Section 3. 

The third denial was based on " The authorized official at your employer did not provide the date they signed the form in Section 4. Complete and return the enclosed form. Don't forget to have your employe sign and date the form in Section 4. " This is FALSE and is an INTENTIONAL ERROR on the part of XXXX as BOTH the original and copy of the Employment Certification Form have the date the employer signed the form in Section 4. 


These are INTENTIONAL ERRORS and FALSE statements on the part of XXXX to delay and possibly deny what is my legal and fair right to apply for and receive the Public Service Loan Forgiveness under United States law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WA

Complaint narrative:
The loan was trasferred to Amerihome from XXXX XXXX. The loan balance should be around XXXX but Amerihome has is at XXXX. Ive called XXXX and they say Amerihome has all the documents. their was a recast for XXXX done with XXXX. this has been going on for well over a month. Amerihome sayss the documents will be reviewed but every time i call they push the date back. I.ve asked them to call XXXX but they refuse to call. If they would communicate with each it would solve the problem but Amerihome won't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. XXXX Transunion and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with XXXX,, XXXX, Transunion,,, and the account XXXX is reporting inaccurate and missing information,,, XXXX is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With Transunion Credit report the XXXX account is showing to be sold to another lender ... so how is it that XXXX showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per Transunion report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, XXXX Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
Transunion is showing its sold with XXXX monthly payments,,, sold to another lender XXXX is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,

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 2018-08-29 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: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate account with all three credit Bureau. Experian XXXX and XXXX ... I disputed that the account is reporting inaccurate but all three credit bureaus replied back that the account is verified. Well I look at all three credit report with Experian,, XXXX, XXXX,,, and the account XXXX is reporting inaccurate and missing information,,, Experian is showing the account to be charged off with a monthly payment {$6.00} dollars how can a charged off account be showing a monthly payment. 

With XXXX Credit report the XXXX account is showing to be sold to another lender ... so how is it that Experian showing a monthly payment of {$6.00} dollars on a charged off account that's sold to a outside lender,,, only the lender is supposed to show the balance and payments if the account is sold per XXXX report,,,, these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau, Equifax Is showing a monthly payment of {$6.00} dollars on there report,,, but it doesn't show the account to be sold to a outside lender ... so why are these credit reporting agency showing inaccurate information.. 
XXXX is showing its sold with XXXX monthly payments,,, sold to another lender Experian is showing charged off with $ XXXX monthly payment this account cant be sold and showing monthly payments on a charged off account,, delete these from all three of my account,, they are not reporting 100 % accurate information., information is missing they need to delete it,, I have copies of all three credit bureau report on this alleged account that's reporting inaccurate,

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX with Capital One references a check deposited from a XXXX XXXX and the account, a XXXX XXXX XXXX, linked to my 360 checking at one time as supposed proof I received funds from a check issued by Capital One..The check in question in the amount of XXXX, was intercepted while I was away, my signature forged on it and cashed to the XXXX XXXX XXXX . A XXXX XXXX is trying to imply that the one time linking of my account to XXXX XXXX XXXX and the check deposited from XXXX XXXX to my Capital One account is proof I received funds.. My signature was forged on the check, I was in XXXX XXXX at the time, from XX/XX/XXXX to XXXX. A XXXX XXXX picked me up, drove me to XXXX XXXX XXXX for my flight. I can get a statement from this person as well as a copy of Hotel stay showing I was not available to receive, sign check, cash it and receive funds. Needless to say, the information provided from XXXX does not prove receipt of funds. The XXXX XXXX XXXX account was linked fraudulently, it was removed by a Capital One rep shortly after. The check which she references as deposited to my Capital One account from XXXX XXXX 's account occurred well before check in question was even sent out, on or around XX/XX/XXXX. Failing to reach a resolution, a suit needs to be filed. I've requested the address to mail a notice of suit to, XXXX replies with a third party web-site which I will not visit. I understand this third party is responsible for filing of such suit, however, Capital One needs to provide the address to send to, I wont do their work for them. I would also request solid proof I in fact cashed the check and received funds from, which they do not have. If they check signature on file, they will see the check they resent on or around XX/XX/XXXX was not signed by myself, they can compare it to the prior check which was in fact received by myself on XX/XX/XXXX, deposited to my XXXX account and they stopped payment on in error. .Had they left well enough alone, allowed more time, stop payment would not have been necessary. in closing, please advise XXXX/Capital One it would behoove them to resolve this rather than continue to receive complaints.

Company response to consumer: Closed with explanation