vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 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: AA

Complaint narrative:
I have XXXX disputed charges on my Chase Sapphire Reserve card : Unauthorized charges : 1. XXXX {$690.00} 2. XXXX {$690.00} 3. XXXX {$690.00} TOTAL : {$2000.00} Authorized charge : 1. XXXX XXXX {$690.00} ( I have already paid this charge ) Complaint : 1. I have disputed three times. 
2. The merchant has acknowledged that they mistakenly charged my chard four times for the same purchase. 
3. I have submitted documentation to Chase which includes an email from the merchant acknowledging that three of the four charges are mistakes. 
4. Chase has found the charges valid, even with explicit documentation from the merchant which says three of the charges are mistakes. 
5. In Chase 's resolution letters, no explanation is given as to why the charges were found to be valid. 
6. I am currently being charged interest on these unauthorized charges. 

Summary : I stayed at a hotel in XXXX called XXXX XXXX. When I checked out of the hotel, the employee used an app-based method to charge my Chase credit card. At first, it appeared the charge did not go through, he tried a total of three times. These charges appear as XXXX. 

When it appeared that all three attempts were unsuccessful, he switched methods and charged the card through a separate website -- this charge went through. This charge appears as XXXX XXXX. 

After looking at my transactions history in my Chase account, it showed that the three XXXX  charges did in fact go through. I was charged four times for the same hotel stay. The three XXXX  charges are mistaken charges, the XXXX XXXX is the correct charge and was already payed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I am writing to dispute a billing error that was caused by Infinity Financial Services ( IFS ) which resulted in IFS reporting me with one 30 day late payment to the credit reporting services. This has repercussions for my credit score and pending financial transactions. 

I assumed an existing automobile lease from IFS is late XXXX. Subsequent to the lease assumption transaction closing, IFS did not send me a bill for my XXXX payment nor did they notify me in a timely fashion that the payment had not been made. Consequently, a single late payment in XX/XX/XXXX resulted from IFS 's billing error. 

As part of the lease contract assumption in XXXX/XX/XX/XXXX, I provided IFS with my complete email and mailing address. Per the Fair Credit Billing Act, I was to receive an account statement and bill on a monthly basis either electronically or by US Mail. However, IFS did not send a bill to me upon the transfer of the lease obligation. Instead, IFS sent the bill to the PREVIOUS contract holder because IFS failed to update their records in a timely fashion. When IFS did not receive payment in XXXX, they finally reached out to me by phone but not unitl the payment was 30 days overdue. I immediately paid the past due amount and IFS agreed to waive the late fee and not report the 30 day late payment as delinquent to the credit reporting agencies but IFS still reported me as delinquent to the credit reporting agencies despite their agent telling me that they would not do so becasue of their billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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
State: FL

Complaint narrative:
On XX/XX/2020 Paypal called me regarding a limited restriction hold they had on my account. They assumed money transfers were payments for items or services. I informed them that this was not the case. They questioned me about who was sending me payments. There was only two different accounts that transferred money to my account. I have had this Paypal account for over 10 years with no issues. To some up this situation Paypal has permanently closed my account with a balance of XXXX due to " suspicion '' of fraud. I am now unable to get access to my money for 180 days and this money is needed to pay bills in this current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Im trying to keep contact and save with my debit reports thru this app XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a collection account on my Experian credit report that does not belong to me. This has been removed by XXXX  and Experian will not allow me to dispute this.

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 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have items on my credit report that doesn't belong to me. Experian is reporting two XXXX XXXX cases and a creditor called XXXX XXXX that I have no knowledge of. I have sent 4 certified letters and they keep telling me that these accounts are verified. I asked them to give me specific information about these creditors which is the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. 
The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute. My records show that the first letter was sent out on XX/XX/2020, second letter sent on XX/XX/2020, third letter sent on XX/XX/2020, fourth letter sent on XX/XX/2020. Experian stated that these accounts are verified.

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 2020-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was checking on my credit score and accuracies on XXXX XXXX XX/XX/XXXX when I saw a derogatory remark from Convergent Outsourcing, inc saying I have a debt with XXXX for the amount {$2200.00} listed XX/XX/XXXX, XX/XX/XXXXand they said I disputed this, this is a false claim I have not talked with Convergent or heard from them or XXXX, the amount is false as the account was closed. 

It is listed that last payment on XXXX  was XX/XX/XXXX, this is a false statement. I canceled my XXXX account on or aroundXX/XX/XXXX and returned all equipment. I have not had an account with XXXX since then. 

How can anyone get a residential bill for {$2200.00} from a utility company without getting turned off for being past due for one maybe two months? 

This is nothing more than a corporate Shake down and extortion from XXXX and Convergent Outsourcing. 

I do not have records for this account with XXXX as it has been closed for almost 7 years. I have not lived at the address the account was associated with for five years.

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 2020-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
Honda Financial services is who I have my loan with and back in XXXX when I lost my employment and housing and all income i communicated with them continously through email because I did not have a phone for months. They continue to charge late fees, interest, and never offered me assistance because I was told they could not offer help thru email only on the phone or thru your account but my online account was already disabled by them so I couldn't apply. They said I had to pay two months in order to get them to extend the other months past due to the end of my loan. I had no job and could not do so. Now my loan has been charged off and I've been trying to pay the past due balance but they now want the full loan amount like to buy my car from the company who paid the loan off. Its {$29000.00} they haven't returned my emails or calls. Starting from XXXX I've contacted them thru email and through XXXX and have all the correspondences. I've explained I did not have a phone because I was unable to afford one at the time. Told them I'd be starting a new job and would be able to make payments once I get an income coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I first signed up for Cash App in order obtain a convenient and free service in order to make personal transactions easier. After signing up, I had a cash card sent and later the same was stolen from my possession. To make matters worse, the phone number I had originally used was no longer in service. The requirement of a two-factor authorization left me without a leg to stand on when attempting to log in to my account. Over the next couple of years, I periodically received requests for transfers from an individual I did not know. I thought nothing of it until I realized that the same had renamed, reprofiled and repossessed my account. Possibly using my own name as their own, this individual was successful in completing taking hold of my account. I tried numerous times to retrieve the same, only to be halted by automated phone systems and less than satisfactory email messages. I could not for the life of me get a human on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I am writing at this time to once again request that you address a complaint regarding my mortgage company, Specialized Loan Servicing, LLC ( SLS ) that I initially brought to your attention on XX/XX/XXXX. The case number for that complaint is XXXX-XXXX. I provided you with extensive documentation to support my complaint that you appeared to completely ignore. When you contacted my mortgage company, it responded by tossing-up a smoke screen full of irrelevant information that you readily accepted, and then closed my case. I responded to my mortgage company 's response, which made absolutely no difference to CFPB because nothing was done. When I again contacted CFPB to request that you address my complaint and the mountain of information that I provided, I was told that my initial case could not be reopened, but that I was welcomed to open a new complaint. Therefore, I am doing exactly as CFPB suggested and submitting yet another complaint. 

If you read my initial complaint, you will see that I filed the complaint because Specialized Loan Servicing purchased a hazard insurance policy for my home without my permission, although I have repeatedly informed the company that I have a policy. SLS also created an escrow account for the hazard insurance that it purchased, again without my permission, and has attached it to my mortgage. I refuse to pay XXXX XXXX  for the policy that Specialized Loan Servicing purchased because as I have repeatedly stated, I have my own policy. 

As I stated in my original complaint, I have provided Specialized Loan Servicing with the Declaration Page for my hazard insurance on multiple occasions and I should not have to continue to do so because of its poor record keeping. However, to bring this matter to a close, I am providing you with the Declaration Pages for my hazard insurance policy from XXXX to the present, which my insurance company readily provided to me upon my request. My hazard insurance provider would have done the same for Specialized Loan Servicing, if it had ever bothered to do its job and simply requested the documents. As you can clearly see, I currently have a policy and I HAVE ALWAYS MAINTAINED A POLICY. Contrary to Specialized Loan Servicing 's repeated lies, my policy has NEVER BEEN CANCELLED.

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 2020-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PR

Complaint narrative:
ERC a debt collection agency is trying to collect a debt that I do not owe. They sent me a collection letter for the first time without any phone call. I didn't authorize nobody to use my information. 

They are collecting an amount of {$3100.00} from an assumed balance of {$1500.00}. 

This company have base in Pennsylvannia.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: AR

Complaint narrative:
On XX/XX/2020 I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XX/XX/2020 beyond 30 days and I haven't heard anything from XXXX, XXXX, or Experian in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.

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 2020-06-21 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:
Transunion did not fix or delete the errors I presented to them. They instead elected to scan my dispute letter through their e-Oscar system and leave it at that. They DID NOT conduct a reasonable investigation per FCRA requirements. This dispute letter WAS NOT typed up by a credit repair organization. I have to say that because the CFPB keeps accusing me of using one and closing my disputes. The first attachment is the dispute letter I sent to Transunion. The second attachment is what they sent back.

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 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have been victim of an online rental scam. I was wondering if you can please assist in accessing the information including finding out the tracing the funds between XXXX and USAA to identifying owner of the XXXX number, I called XXXX and USAA refused to get involved without an official police report. Both banks have full details of the transaction, but would not act on it without a police report / local law enforcement involvement. Police precinct # XXXX in XXXX refused to take a civil case. Can you please help trace the funds at USAA so I can recuperate the money back? I can provide transaction details. XXXX XXXX   claims department is XXXX. 

I was interested in an apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) on XXXX in XXXX, XXXX XXXX XXXX with a XX/XX/2020 start date. I reached out to the owner ( XXXX XXXX XXXX ) via XXXX XXXX XXXX. Due to covid, the owner introduced himself and said he is unable to show the apartment in person. He mentioned he is currently in California and is renting out the place in XXXX. Due to covid, most sellers have been reluctant to show the apartment in person, so I can understand why. After several phone conversations ( XXXX - a XXXX  number ), he said that I can see the apartment once I put down the security deposit of {$900.00}, which was refundable if I do not like the apartment. 

I spoke to the owner on the phone asking detailed questions about the property. I went to see the outside of the property to make sure the description matches his listing. He had promised that as soon as I sent the payment, he would send the key via XXXX overnight. In order to secure the apartment, on XX/XX/2020, I ultimately paid the {$900.00} via XXXX at XXXX. He noted that this was his late wife 's account. 

I had requested a tracking number, picture of contents of the envelope, and a photo ID. It's been over 24 hours. He has not provided any of these items. I asked him to return the deposit, but he disappeared. 

On XX/XX/2020, I told both XXXX and USAA that it's a scam and hold the funds immediately, but they did nothing. They also refused to provide any information on the transaction. Under XXXX, there is no ability to reverse the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX  Tried to dispute the charges of XXXX to credit card company I was never given any products or services from 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 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have been trying to use XXXX to link my pnc checking account in a mobile investing application called XXXX and have not been able to log into my pnc account because of an undisclosed bank discrepancy. Please work as a liaison between pnc & I to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT.

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 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2020 Im having trouble linking and adding funds on my virtual accounts through XXXX  XXXX   XXXX. After putting my login info i would get a message saying that you bank has made changes to prevent you from linking your account. Ive called my bank and all they told me was to try to link it manually and its doest working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Closed on conventional mortgage refinance XX/XX/XXXX with XXXX XXXX XXXX ( " XXXX '' ). 
Made 1st payment of {$1700.00} on time to XXXX on XX/XX/XXXX ( Loan # XXXX ). 
Received notice letter dated XX/XX/XXXX that loan servicing was sold to PHH Mortgage services ( " PHH '' ), which is currently under consent order with State of Georgia for failure to comply with servicing standards. 
Have received no written communication, mortgage statement, or other similar billing statement from XXXX/PHH Mortgage to determine new account number and how to make monthly payment, or to determine current mortgage balance, escrow account balance, or payment breakdown information. 
Made attempts to gather new account information with PHH Mortgage with no success. 
By consent order, PHH Mortgage must adhere to significant rules ( servicing standards ) governing its mortgage servicing and related activities as part of a Consent Order entered XX/XX/XXXX, which PHH Mortgage has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
On XXXX I sent supporting documentation to all three credit bureaus in regards to inaccurate/wrong and or fraudulent information that has been reporting on my credit file for several months. I never filed or been any any Chapter XXXX Bankruptcy period. My overall credit standing is good and this inaccurate/wrong and or fraudulent information is having a negative impact on my current rating. Here it is XXXX beyond 30 days and I haven't heard anything from XXXX, Equifax, or XXXX in regards to my initial dispute. Both the County Court house and XXXX XXXX neither have any records of a filed bankruptcy on my behalf. I this erroneous reporting absolutely unacceptable and is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation