vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recieved an email today ( XX/XX/20 ) from " Chase Bank '' claiming that there was missing or incorrect information on my account and that I needed to update it. Clicking on the sender 's name displays an email almost identical to my own. 

I have not clicked the 'update ' link nor done anything with the email itself except forward it to the APWG at the FTC . Please track down the scammers and stop them as people are already stressed enough by the world loosing it's mind this year. 

XXXX XXXX and Happy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: IL

Complaint narrative:
Have tried to resolve this matter with TRANSUNION on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, XXXX  Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to XXXX  with no response other than this account was validated. TRANSUNION has shown no evidence of this or the method used To validate this alleged Debt, TRANSUNION has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by TRANSUNION for this Infraction.

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 2020-12-19 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: NJ

Complaint narrative:
I purchased a XXXX XXXX XXXX  a total amount of XXXX on XX/XX/2020 I decide to return the item to XXXX. I put the item inside the box by myself and I drop it at a UPS store. after a week I have not seen my refund I contact XXXX XXXX and they claim the box was empty. they told me there is no item inside the box. I called the UPS to see what happened to the BOX. they told me that only XXXX can open a claim because the item is not in my name. I call XXXX back and told them to follow up with XXXX they told me there is nothing they can do. and we are not refunding the XXXX. I tried to solve this problem with XXXX before I contact consumerfinance for help. I attached the receipt and the emails. according to the XXXX the box weight is XXXX and XXXX XXXX the box was empty which does not make any since to me. and I am not sure, why they dont want to follow up with XXXX to solve the problem. XXXX claims they send me the package back which is not true. I did not receive anything from them.at first they said the package is empty. And now they are claiming they received a wrong item.I opened despute with Chase Bank and they did not take any action against XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Completed a zero interest on a balance transfer on Zero interest expired which they changed to a cash advance, I have never had a cash advance in my life. Paid of the balance by the due date and they still charged {$60.00} cash advance fees after pay off. Not sure what other overcharging as I just noticed this when I called and they said I did a cash advance never did this, I asked why did you move the transfer balance into a cash advance is this not illegal? 

Unfair business practice taking advantage of the consumer. 

Member Number : XXXX Penfed credit union 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 2020-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 XXXX California time XXXX XXXX, a remittance center, got hacked and saw emails that I sent a total amount of {$2200.00} in a bank account in the XXXX  without my authorization. There were a total of 17 transactions that were processed without my knowledge ( and as I was sleeping ). The hacker sent {$120.00} x 4 named through my sister, and {$130.00} x 13 transactions named through my auntie into a ONE bank account in the XXXX. I was told by my sister in the XXXX that she got multiple text messages about how I sent money multiple times, but it wasn't towards her account. It turned out that the hacker used my auntie and sister 's phone number and address, and use their own hacker 's bank account and name to receive the money. 

I escalated the issue to XXXX and I was told that they guaranteed that they will give my money back. During the phone calls, they found out that my one-time passcode was XXXX by the hacker, hence why it did not prompt me for log-in back, and that 2 login attempts in 2 different parts of California were recorded ( one in XXXX, one in XXXX XXXX ). After hours of call with them, they said they will be working with my Bank of America regarding this issue. 

After the call with XXXX, I filed a claim in BofA through call and told them about this incidence. I was told that they will do my best regarding this situation, and will try to resolve it in 10 days. 

Today, XX/XX/2020, they closed my claim and denied it. They said that : " Our records show the transaction activity in question was authorized and posted correctly to your account. '' The problem is that at XXXX XXXX  on the morning of that day I was hacked, I was sleeping. 17 transactions were made multiple times and how come that did not flag BofA. On top of that, they charged me with monthly maintenance fee because of my account balance being below {$1500.00} a few days ago. 

I have attached the transactions in this e-mail

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 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: IL

Complaint narrative:
Have tried to resolve this matter with Equifax on numerous occasions to no avail, Since I am currently in a lawsuit with XXXX XXXX  for violations of the FDCPA, Equifax Is also liable under the provisions of 15 USC 1692k which is civil liabilities, and are also liable To the same amount as XXXX XXXX  is in this judgment, I have sent a Police Report, UCC 11, Affidavit of Truth, a FTC Identity Theft Report, and letter to Equifax with no response other than this account was validated. Equifax has shown no evidence of this or the method used To validate this alleged Debt, Equifax has ignored the State of Illinoiss Secretary of State Office And the City of XXXX Police Departments document as to this Identity theft report and has Still reported this account as verified accurate which is also a violation of the FDCPA laws of this State, as a Federally protected Consumer, I demand this matter be resolved and also to be compensated by EQUIFAX for this Infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
This person gave me money to deposit and it didnt go through to my account the money was returned to them since its didnt go through and my account got frozen and I need it to be unfrozen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and Pioneer Credit Recovery, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but Pioneer Credit Recovery and XXXX have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, Pioneer Recovery, and XXXX participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I live in Wisconsin and filed for Debt Amortization ( chapter 128 ) in XXXX and it was paid in full and Discharged in XX/XX/XXXX. Navient was included in this and they were sent money by the Trustee of my case every quarter. I am now told that they do not recognize the court order and are saying I still owe around {$1800.00}. I am wondering if this is the case that they do not have to recognize it. My attorney and the Trustee think it should be dismissed. Wondering if you can help me. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I have repeatedly been hit by XXXX  with collections that I have not done and I dispute them just fine as they are not mine. But around the XX/XX/XXXX they put a collection for the third time from a XXXX bill on my credit report and when I try to dispute it they just leave it on there. I have never had a cable or internet bill in my life and my phone goes through XXXX which I make my payments on time monthly for. I dont want this damaging my credit any longer as I have not opened an account with XXXX and disputing it twice has not worked.

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 2020-12-19 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: DE

Complaint narrative:
Experian refuses to delete inaccurate unidentified items from my credit report, after serval disputes. They refuse to comply and The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

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 2020-12-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To whom it may concern, On XX/XX/XXXX of this year there was a fraudulent transaction on my CHASE account in the amount of {$250.00}. I immediately closed down my debit card and ordered a new one. Initially, CHASE credited my account. On XX/XX/XXXX, I received a notice that according to their records, I authorized the transaction. I'm assuming that since my credit card wasn't stolen and the billing address was the same, that it was easy to rule that i made the purchase. The package was mailed to my house with a different name as the delivery person. I still have said package. The only reason I even opened the package was due to the fact that my phone number was on there, that really made me suspicious. 

Below I am attaching a picture of the package that I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-19 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:
I have been attempting to get my credit report updated on the XXXX account as it was settled since XX/XX/2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage servicer, Mr. Cooper ( Nationstar ) continually harasses me with letters threatening to add additional flood insurance to my loan claiming mine is insufficient. I have, on NUMEROUS occasions, forwarded the necessary information to prove I have insurance. In addition, I have spoken to their representatives who have on NUMEROUS occasions told me that I have sufficient insurance. However, they continue to HARASS me with letters. I would like this to stop. I have NEVER been late on a payment, and I have complied with ALL of their escrow requirement since day one. THIS IS NOTHING BUT HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hi I am an XXXX ( XXXX XXXX XXXX XXXX ). Pen Fed Credit Union in Virginia sent me a XXXX check which I took advantage of. I have always paid my payments on time. I was on XXXX XXXX for approx. 3 years. Working a restricted schedule of 20 hours per week and still paid my payments. The XXXX XXXX XXXX XXXX stopped my payments for almost a year. I struggled to make my payments and was given no relief when I asked. I went in to the Pen Fed office in XXXX, PA and the personal banker was very rude to me. She told me she could not help me that I had to call the corporate which also provided no relief options. I started pre-paying my loan a month or two in advance to have a financial cushion so I didn't loose everything. it's a term Personal Line of Credit. I made multiple payments as income started to come in and even took money out of IRA 's to keep current and ahead of sched. I would pay extra when before the due date as a payment for a month in advance. My due date is the XX/XX/XXXX of each month. For example I would pay a direct payment for XXXX, then I would make an additional payment for XXXX as a regular payment not a intending it to be applied as a principal only payment. so I would be paid two months in advance for the full term payment. There was nothing in the terms and conditions of my loan payment that said I could not pay ahead of time and it was never applied to all principal till my last two payments when they accrued interest and backdated it. I have asked the personal banker and now corporate for a copy of my terms and conditions of my loan agreement. I started really making accelerated payments in XX/XX/2020 to try and get this thing paid in advance so it would give me some cushion on my paychecks so I could pay all my bills. I have done this with other institutions and never had a problem. I feel that I am being taken advantage of and it has caused undue stress and anxiety. I would like you to follow up with the personal banker in the XXXX, PA office as well as corporate. They told me my next payment if going to be over XXXX all to interest. I never heard of being penalized for for trying to stay afloat and make my payments more manageable. They would not work with my interest rate or the payment to make it more affordable. It's not like a personal loan ... ..it 's like a shark loan from a Federal Credit Union . 
Thanks 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 non-monetary relief
Consumer complaint received 2020-12-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ascendium Education Group
State: TX

Complaint narrative:
I have been evicted twice and stayed at two homeless shelters since my yearly income tax returns have been taken by the US Department of Education and XXXX XXXX XXXX, and Ascendium. I have lost multiple jobs, and have even been unemployed since XXXX of this year. I am not able to make payments due to severe financial difficulties, but XXXX XXXX XXXX and Ascendium have repeatedly refused to help my financial situation. Their abusive collection patterns have forced me into poverty multiple times in the last 4 years since the Department of Education, XXXX XXXX, and Ascendium participated in stealing my tax returns. Now they are sending me threats. I can not pay the balance owed, I can barely afford food to eat and the medicine I am prescribed. I have also been adversely affected by the COVID-19 pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19 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:
Approximately a few days ago, I filed a dispute with Transunion due to the incorrect reporting or lack of reporting with the inaccurate balance of {$350.00} from XXXX on my report. I have completing paid this balance down to only a {$4.00} balance, thus I filed a dispute so Transunion can look into this problem and XXXX had actually updated my balance correctly and my credit score went up 17 points. However, I checked my Transunion credit report and discovered that they are reporting again that I am over the limit with a balance of {$350.00} with my XXXX account. This is fraudulent reporting either on part of XXXX or Transunion. I have only a balance of {$4.00} and have maintained this balance since paying down my balance from {$350.00}. XXXX or Transunion are reporting inaccurate information to the credit bureau, Transunion. Transunion and credit reporting are responsible for reporting accurate information and neither of them are reporting accurate information. I have pictures of where it is showing that my Transunion score went down 17 points due to inaccurate reporting by Transunion and/or XXXX. I have attached my current balance of my XXXX account. 

I called someone named XXXX with an ID of XXXX at Transunion and told him of the above issue and he told me I have a split file with Transunion and this is not a problem that I can fix and that transunion needs to fix it. I think this error on transunion 's end is causing my credit score to bounce up and down and report inacurracies on my credit report. This needs to be fixed immediately. 

Also, I am unable to logon to my Transunion account for this 'split issue ' error.

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 2020-12-19 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: TX

Complaint narrative:
I feel like these accounts are adversely costing me thousands of dollars a year due to high interest payments. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recognize any of these accounts. I need this problem fixed asap I will not wait another 50 days for no response because clearly yall ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been 60 days so they should be deleted promptly.

Company response to consumer: Closed with explanation