vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XX/XX/XXXX RECEIVED TEXT FROM CHASE BANK ASKING IF I AUTHORIZED A XXXX TRANSFER IN AMT OF {$5000.00}, I REPLIED NO, GOT A CALL FROM WHO I THOUGHT WAS CHASE REP. WHO MADE ME TRANSFER {$5000.00} TO ANOTHER ACCOUNT TO REVERSE A XXXX TRANSFER FROM A WALMART THAT WAS COMING OUT AT XXXX, I DID... I HAD TO CHANGE MY NAME TO XXXX XXXX ( AS YOU SEE BEFORE I WAS XXXX ) AND THEY MADE THEIR SUPERVISOR AUTHORIZED USER. ( SEE SCREENSHOT ) - CALL RECORDED BUT WON'T UPLOAD XX/XX/XXXX CALLED AGAIN AT XXXX AND SAID THE REVRSAL UNSUCCESSFUL AND TO TRANSFER ANOTHER {$5000.00} ( HAVE A CALL RECORDG ) XXXX XXXX MONDAY ACCT WAS XXXX AND ANOTHER COUNT ALMOST GONE, CALLED CHASE XXXX XXXX AND THEY HAD ME TRANSFER {$5000.00} AGAIN ( CALL RECORDED ), THEY TRIED A XXXX TIME BUT IT WAS DENIED BY BANK- SEE SCREENSHOT, LEFT ME FOR BROKE AND THEY HUNG UP FRAUD INVESTIGATED FOR 10 DAYS AND SAID THAT I WAS SCAMMED AND IT WASN'T THEIR FAULT. WELL IT IS NOT MY FAULT THEY WERE CALLING AND INTERCEPTING CHASE PHONE CALLS. IM AT OUT {$15000.00}. LOCAL BRANCH COULD NOT HELP. 

MY NAME CHANGED FROM XXXX TO XXXX XXXX... THEY MADE ME DO IT. 
WHY WOULD I XXXX  MYSELF MONEY? 
ON MONEY, I JUST WENT INTO MY CALL LOGS AND CALLED THE NUMBER THAT CALLED ME INITIALLY ON XX/XX/XXXX IT IS CHASE BANK AND THESE MEN ARE ANSWERING PHONE. THEY MIGHT WORK THERE!! 

CHASE WILL NOT LISTEN TO MY CALL RECORDINGS THIS LINK IS AN ARTICLE THAT DESCRIBES EXACTLY WHAT HAPPENED TO ME TO A LADY IN LA. WHERE CHASE SCAMMED HER AND GAVE HER THE RUNAROUND. 
https : XXXX another article is EXACTLY what happen to me https : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX % XXXX % XXXX % XXXX EVERYTIME THEY CALLED FROM THE SAME CHASE PHONE NUMBER AND IN FACT THE LAST TIME I CALLED ON XX/XX/XXXX AFTER SITTING ON HOLD WITH THEM FOR AN HOUR, CALL HUNG UP AND THEY CALLED ME. I BELIEVE THEY HAVE ACCESS TO MY INFORMATION. 

DATA AND SECURITY BREACH FROM CHASE AND SCAM, THEY NEED TO RE-IMBURSE ME I HAVE CALLS RECORDED THAT WERE MADE THAT COULD BE EXTREMELY PERTINENT IN PROVING THIS IS A SCAM THE POLICE REPORT THAT I MAKE IS NOT YET READY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
Repeated phone calls after being asked multiple times to stop. 

Date. Time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America have missed transactions under my account as well as under investigate imy claims Bank of America has spent over the amount of days on a claim that should have had a decision on it already I am currently on the verge of eviction I am trying to negotiate with my landlord about the timing that Bank of America will fix my situation I feel this is very unfair I have had to investigate on my own to find out that transactions that I specifically requested to be disputes has not been disputed at all it has been two years of Bank of Americas mess I was also not informed that the claim for {$1300.00} was duplicated by a representative they also added someone elses card number to my claims at Bank of America I am currently still missing a nice amount for my account I have spotted a {$5000.00} transaction that should have been disputed just as well as a {$2000.00} transaction that should have been disputed already and resolved This is very unacceptable I am trying my best to work with Bank of America the back office is very incompetent it seems they are not taking my situation seriously at all my children are being affected by Bank of Americas incompetence as well this is not only unfair to me I am not the only one suffering behind the situation I have been waiting for these claims to be resolved I would like for my false negative balance to be fixed because it was never properly investigated for the {$1300.00} I am going to need them to do something because I have bills to pay in a household to take care of I can not continue to wait for Bank of America because they are not resolving the situation quickly enough

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 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: FL

Complaint narrative:
The property owner, XXXX XXXX XXXX refused to renew my yearly lease agreement claiming inconsistencies in my payments. My family and I have lived in XXXX XXXX  XXXX since XXXX signing yearly lease agreements every year. 

The property owner notified me in XX/XX/XXXX that they will not extend my lease for the next year XXXX, the lease will become a month-to-month agreement as stipulated. However, the property owner refused to collect my payment for XX/XX/XXXX. 

I made multiple attempts to reach an agreement to extend my lease and also to make the payments which included all sorts of fees imposed by the property owner which can include legal fees, late fees, reassessment fees, etc. Unfortunately, every single attempt was rejected by the property owner. 

The landlord then presented its eviction request for {$1200.00}, the amount due for XX/XX/XXXX which I was always willing to pay in the first place. 

During XX/XX/XXXX nobody was able to find a new house, nor move out nor into a new place due to the Recently imposed Covid-19 lockdown which included an eviction ban. During that time the landlord requested assistance aid for the period where the lockdown was imposed. 

We moved out of the unit during that time, however, the landlords attorneys continue trying to collect the same period from us as well even though they already collected the Covid Assistance Aid. 

The account is currently in 'Collection ' for {$9000.00} reflected in my credit report negatively which has impaired my chances to lease a new place. My rental options are extremely limited due to the current market that continues to increase aggressively every month. Since then, my family and I have been living in an extended stay hotel paying an average of $ 175.00/night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company has yet to remove these charge offs on my consumer report. My account contains a finance charge, which is the sum of all charges, therefore it paid in full upon the acceptance of my credit card ( social security card ). Under my opened credit plan this account was paid in full and can not contain late payments. This has caused me great distress and I feel I am being taken advantage of and this company has deceived me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, 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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, 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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased bus tickets through a public transportation app using my capital one card and was charged a {$10.00} cash advance fee for each transaction : XX/XX/21 : {$3.00} bus ticket XX/XX/21 : {$1.00} bus ticket XX/XX/21 : {$3.00} bus ticket The cash advance fees did not post until XX/XX/21 ( {$30.00} in total ) nor was I informed at the point of purchase that such a fee would incur. 

I called Capital One to ask the charges to be removed and they refused, claiming the purchase was a wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Dear Madam/Sir, upon receiving an email last Friday XX/XX/2021, I visited the XXXX XXXX California County XXXX XXXX XXXX website. I found that a property that I own at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was listed as ( Defaulted Parcel No. XXXX ). Last year at this same time, Freedom Mortgage XXXX XXXX XXXX XXXX, TX XXXX failed to pay the taxes due on this my property. I have never been late on any mortgage payments and the said taxes should have been paid out of my escrow account by Freedom Mortgage company as they are in charge of servicing my mortgage account. I phoned them and requested that they pay my taxes. They did so, however my account was, and is noted in default on tax record as of XX/XX/21. 
Taxes are due again as of this date, and have not been paid again. I retired from flying worldwide supply and support missions with the Department of Defense for the US military in XX/XX/XXXX of this year. I am now unemployed and collect only XXXX XXXX each month. If this irresponsible practice of failing to pay my taxes on time by Freedom Mortgage is allowed to continue, the damage to my good credit standing is at risk of being irreparable, and is now adversely affecting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: AZ

Complaint narrative:
In XX/XX/2018 a lease was open With XXXX XXXX Apartments XXXX XXXX XXXX, Tx XXXX on unit # XXXX were they promised half off the first month of rent. XXXX XXXX would late not honor that deal forcing me to Pay a full month and late fees '. Through out my Experience at XXXX XXXX Apartments I was charged a number of fees that were never able to explain. Finally in XXXX due to multiple issues with the leasing office and poor upkeep of the property including roach infestation. The leasing office had agreed that I would turn in the keys and they provide me would final amount due once they looked off the apartments. I sent a bill over 11,000 and the full remained of the lease. Witch both me and the current leasing agent agreed was not correct. I was told to wait for a readjustment since the were able to lease out my old apartment. I would only have to pay for the time it took to fill the vacant plus cleaning fees if needed my deposit was 700 $ so was not suppose to owe anything over 1000 $ if they leased it out next month which they did. The bill was never corrected and worse it was forward to a Collection company RS Clark & Associates I could not afford the 11 thousand dollars they wrongfully claim I Own. I have tried to get this Corrected over the years but the XXXX XXXX apartment and the XXXX XXXX RS CLARK & Associates kept passing the buck them for who can correct this For me so I can finally rent my own place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MI

Complaint narrative:
Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. VANCE AND HUFFMAN LLC is attempting to collect a debt on behalf of XXXX XXXX XXXX. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only VANCE AND HUFFMAN LLC responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have noticed my credit being run numerus time, I never give permission to run my information as it states on my report. these companies had run my credit more than once on the same day same inquire why? I did reach the companies which I was told do a dispute with the credit agencies. I did reach them but nothing they could do so they refer me to contact CFPB. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-06 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I Recently looked at my credit report It has come to my attention that ( LVNV FUNDING LLC, and XXXX XXXX XXXX XXXX ) has acquired and shared my information to other companies without my written permission. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX XXXX    XXXX XXXX  reporting inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on all 3 Bureaus inaccurate XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus

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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/2021 I received a package from : XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. 
I did not order or have not looked online for buying male enhancement pills or other type information. I tried to look up the UPS tracking number which took me to another site requesting access to my online information. Since there was no packing slip or information provided I did not return the package for concerns that I would have no proof of return & concerns of fraud. 
XX/XX/2021 I received in my mailbox, a US bank - State Farm credit card billing statement for XXXX, 2021 in the amount of {$4900.00} charging for this unauthorized package. Due to be paid in full by XX/XX/2021. I did not authorize this credit card. I have no possession of this credit card. I had no knowledge of the credit card until receiving the statement in the mail. I am reporting the shipping address to the XXXX XXXX Police Dept. I am reporting the information to the Florida Attorney Generals Office.

Bottom line is none of this has been authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PNC Bank N.A.
State: MT

Complaint narrative:
The company I work for used PNC for our corporate credit cards but recently switched banks. I received a bill from PNC bank for {$780.00} which includes a {$15.00} " late fee '' for charges nobody at PNC has been able to explain to me. Back in XXXX of 2020 I had fraud committed on my card and I reported it to both PNC and my company as soon as I realized the fraud. The total fraud charges equal about as much as this mystery balance and I just need someone from PNC to speak with me. I have been hung up on twice, put on hold for 20-60 min multiple times and bounced from department to department with answers. I'm not sure what to do next. Literally ANY help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
This company has reported on my consumer report that I did not pay them. I filed a police report because I did not receive the product ( tires ) that was initially financed. I sent them the police report and they still have yet to remove this account from my consumer report. I feel like I am being taken advantage of because I did not benefit from this transaction. I never received any product from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: AZ

Complaint narrative:
called experian at number XXXX XXXX to inform them of inaccurate info being reported on my consumer report they refused to acknowledge or remove false inquires off my file

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