vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To whom it may concern : On XX/XX/2019 I entered the CHASE Bank at XXXX XXXX XXXX, XXXX VA, intending to deposit a sum of {$6000.00}. In the past I had always given the bank associated my cash deposit and it was counted manually, after which I was given a receipt. This time the bank associated urged me to make the deposit using an ATM machine, unlike the previous times. The clerk showed me how to deposit the money in the machine. The receipt I received from the machine credited my account with only {$3000.00}. The bank manager said there was no way to recount the money and I would have to rely on the banks accounting at the end of the day to correct the error. 

The next day my account was credited with the missing {$3000.00}, but then I received a letter on XX/XX/XXXX, nearly a month later, declaring that the bank admitted to a miscount of only {$400.00}. I have complained several times at various levels and the bank refuses to admit their mistake. 

This is outrageous. I had to deposit my money in a machine that the bank admits makes mistakes, and accept their word for correctly accounting for what they have done, whereas they will not accept my word for the amount I brought to the bank. I handle cash every day in my business, as I am a state employee of the Commonwealth of Virginia, and have been a Store Manager for  The Department of Alcoholic Beverage Control ( ABC ) for 18 years. I know how to manage and count cash. I would like the remaining {$2500.00} returned to my bank account. 

I attach my original complaint letter to the CHASE bank, and copies of two letters from the bank, one apparently admitting their mistake and the other changing their conclusion. 

I would greatly appreciate your agency helping me settle this bank matter as soon as possible. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 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: TX

Complaint narrative:
Experian has been reporting false information on my credit report I have sent many letters and have called them to please verify the information on my credit report they have refused to send me proper paper work stating the accounts belong to me and as of today there has been nothing done I am once again sending Experian a letter asking to verify the accounts the keep reporting are listed below XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX XXXX NUMBER XXXX XXXX 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 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
There were several XXXX  dollars in unauthorized transactions with suspicios purchase items and phony false phone numbers.

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 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my account and I haven't done anything against their policy and I would like this limitation to be removed as its not letting me have buyer protect from some damaged items I received and also use there service or buy items or receive or send money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I received a loan from Moneylion INC through an application on my smartphone ( XXXX ) into my checking account around XX/XX/XXXX. I paid off the loan XX/XX/XXXX but received a call in XX/XX/XXXX saying they never received the funds from my bank, I reviewed my checking account and they were correct so I agreed to pay it back without issue. I have attempted to repay the amount owed ( {$510.00} ) and each time no payment is processed, every time I call I am on hold for an hour before speaking to someone. As of this complaint, this is my fourth time attempting to pay off the loan and the application is threatening collections for nonpayment due to their computer errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Scott Fetzer Financial Group Inc.
State: NE

Complaint narrative:
I talk to them and told them I dont owe them any money they were rude and argued with me called after hours now theyre trying to get into my credit to mess that up even though my x husband messed that up with domestic abuse. I had to get a Protection order on my x husband. Another person from the same company is trying to Get financial records proof of income proof of power of attorney which Im not, They would not listen to me so I never got it resolved they have my phone number my email my address I dont have any idea how they got that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Because Equifax does not update the information on my credit report it has caused me to be denied credit. They have been showing accounts as owed that have been paid for months. 
I attempted to resolve with Equifax and they tell me to file a dispute. I know I am one of thousands who are having this same issue. If they can not do their job they, at a minimum, should be fined. I am weary of this happening over and over again. They must be held accountable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My refinance loan that was closed with fifth third on XXXX has been completely messed up. They also have not even paid the allotted funds to their fifth third trio card and I have continued to accumulate interest charges. The title company also sent me an extra check for a capital one account that I do not have. I have reached out to multiple people at fifth third with no response and also contacted the title company who also provided no answers and told me I just need to contact fifth third.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
THIS ACCOUNT WAS OPENED FRAUDULENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX/XXXX reported a fraudulent account over a year ago provided all the paperwork to prove it was not me XXXX XXXX XXXX and XXXX are still reporting as a charge off bad that I have been fighting with them for over a year now all three credit reporting agencies Refuse to work with me even though I have contacted all three and filed a report although I can not remember the report number last year with the federal trade commission it is hurting my credit I have personally called XXXX XXXX XXXX and XXXX to get them to remove this off my credit report and they refuse to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Alleged Auto Policy was engaged by XXXX XXXX, and dancelled by Insurance company prior to first 30 days, I did not authorize a policy, they canceled and then attempted after a few months to collect a full years worth of coverage payment ... which was not ever used ... then 1 year later after cancel sent it to CCS a 3rd party collection company to attempt to collect {$140000.00}, I received a letter from them and phone calls began on XX/XX/2019 several calls already, I called then and told them to cease and desoist, I was advised that it may be reported as a debt to the Credit Reporting agency ... Im fed up with these lies, I had to go to DMV motor vehicles past year to show NJ proof of Insurance coverage, last May ... to bio t get my ; incensed suspended, I avoided that and NJ dismissed the claim and sent a caution back to XXXX XXXX for a false notification ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: VA

Complaint narrative:
I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

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 2019-07-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I submitted a dispute for these accounts XXXX XXXX XXXX   Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but Equifax claims they verified the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Thank you for your response on XX/XX/XXXX via CFPB. 
Please find attached XXXX of Attorney from widow of XXXX XXXX to XXXX XXXX as you requested. 
We still need to be answered following questions please reopen your case about our complaint.

CFPB Complaint Numbers : XXXX and XXXX XXXX. Copy of all documents youve shared with Law of XXXX A. XXXX, XXXX without our permission. 
2. XXXX XXXX XXXX is a real organization? The XXXX XXXX given was XXXX XXXX, certify mail with Return receipt never return. 
2. You are not the only one claim to be the note holder, how do we know who is the legitimate note holder? 
3. Actual Borrower is passed away ; dead person couldn't give any authorization to discuss subject loan 4. According to Gov Rules and Regulation, Loan Servicer do not have the power to foreclosure any property, who is initiate the last foreclosure sale. 

If you don't respond this issue properly, we might see you at the court. 
That is the recommendation of a CFPB officer If you are the right party ( we need to verify ), we demand following as the solution of the issues. 
1. Stop fraudulent Collection Activities. 
2. Fully disclose the Full Legal Name and contact information including website address of Legal Note Holders. 
3. Honor Flex modification that XXXX XXXX  promised on XXXX XXXX https : XXXX % XXXX % XXXX % XXXX? XXXX 4. Or if you paid to XXXX or XXXX XXXX, wed buy you out the price you paid to them. 
5. Or Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), We have a right to  know who the true party of interest in this transaction is. As such, We are asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 

Please also stipulate for the record whether or not our loan has been securitized, and if so, the name of the XXXX  our loan is bundled with. 

If our loan has been securitized, then please provide us the pooling and servicing agreement that names our loan as well as any documentations that explicitly gives you the right to service our loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from our despite our request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

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 2019-07-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
I had a levy placed on my account by Rausch Sturm for about {$2000.00}. {$21.00} of which was taken directly from my back account. I then was ordered to pay the full sum ( not minus the {$21.00} ) and did so because I didnt have any other options. So the account was paid in full and then some. However, Rausch Sturm again placed a levy on my account a couple weeks later. I contacted them about this 4 days ago when I noticed and still I have no viable response from them ( waiting for the manager ) and in the meantime I have no money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: Grant Mercantile Agency
State: CA

Complaint narrative:
On XX/XX/2019 I submitted a dispute for these accounts GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX, GRANT MERCENTILE AGENCY Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but XXXX claims they verified the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
I filed a previous complaint on suntrust nothing was addressed about Suntrust Closing my account and holding my funds {$2300.00} I have no acess to them Suntrust has violated consumer bank protection laws and are fraudulent

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019, XX/XX/2019 and XX/XX/2019 Certified mail was sent to Equifax stating them to provide information that the debt that they have claimed to be mine is accurate and to provide me with original documents with my signature Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.e showing that this debt is mine, under the FCRA. Also Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Not only did they not provide me with the information Requested, they sent me a letter back stating it was mine without even showing how they verified it as being mine? Is this against the law? Can I sue them for fraud? This is what it will be at this point correct? They broke the FCRA law and did not take the proper steps to verify that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX and Experian will not remove my bankruptcy. I sent all my Identity Theft documents along with a police report and etc .... Everything needed. I waited for over 30 days for a response. XXXX is the only one that got back to me and has removed my bankruptcy from my credit report. I sent letters to XXXX/XXXX- new as of last month, my account was transferred to XXXX with new account number XXXX. XXXX refuses to open up my mortgage account, I pay monthly payments and yet they still refuse to correct the information on the account. 

I am so tired of fighting and sending letters through certified mail. I don't understand how you can remove the bankruptcy from my credit report and than add it back on. This is not fair. I don't care about your XXXX report. 

I have Identity Theft reported since the IRS was hacked in XX/XX/XXXX. All my passwords, banking information, credit cards were all reported. 

This is an on going thing for me. Every 3 months someone does something to me. I was able to trace  the IP address back to XXXX, and I reported it to the FBI> Please help ... ..I am working so hard to rebuild my credit report because of the Identity Theft and I can't even pass security questions anymore. 

Thank you, 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 2019-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I recently files Bankruptcy, and the first month I tried calling to make a payments and has been impossible. The wait time is over an hour. 
They removed access to pay the loan online, and i guess that's normal but for the last week I have been traying to call and due to my schedule at work, I cant stay on the phone for over an hour waiting to pay. On XX/XX/19 I have spent 2 ; 25 minutes on HOLD and transfer back and forth and still not able to make the payment. This is frustrating. They aren't helpful and still today I have been unable to make the payment.

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