vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
In credit card disputes with merchants, JP Morgan chase does not ask us its customers to present any evidence when we are contesting a charge. 

In my case, I bought two train tickets in error in XXXX. I told the train operator who agreed and handed me a receipt to take to the ticket booth to get a refund. The booth was closed and thus I had to contest the charge with Chase. I was waiting to present the refund receipt I was handed by the train operative- but chase never asked for it and found in favor of the business. This has happened countless times with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
On XX/XX/XXXX I disputed this account due to fraudulent and inaccurate information reported. Only to DISCOVER TODAY ON XX/XX/XXXX that the PREVIOUS DISPUTE WAS BASED OF SOMEONE ELSE ACCOUNT AND I HAVE THE PICTURE TO PROVE THAT! 
My STAND IS THAT XXXX  XXXX XXXX MAKES HUGE MISTAKES AND THEN BLAMES THE CONSUMER! Please REFERENCE THE ATTACHED INFORMATION IN THIS COMPLAINT! This is a letter that was sent VIA CPFB! AND IT DOESNT BELONG TO ME BUT YET THEY STATED THAT MY INFORMATION WAS ACCURATE AND ITS NOT! In ADDITION THIS ACCOUNT IS CAUSING ME UNDUE HARDSHIP FOR BASIC LIFE ESSENTIALS HOUSING / CREDIT ETC! IM DEMANDING THAT THIS ACCOUNT IS SIMPLY REMOVED FROM MY REPORT SO WE CAN MOVE FORWARD

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 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had 10 unauthorized transactions posted to my chime account between XXXX XXXX XX/XX/XXXX. 
I promptly disputed them, sent in 3 forms as it was 3 separate dispute numbers, and have waited over 10 days for a resolution. Still have not recieved a provisional credit or any type of resolution. The dispute # XXXX are XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
ShellPoint Mortgage Service Originally they told me they never received documentation for my home owners insurance. I contacted my HOA and they told me they already sent it in. 

After a few weeks I get a final notice from ShellPoint that they have not received my documentation, so my HOA sends it in again. 

Shellpoint then starts charging me private insurance because the " never received it '' raising my monthly bill to XXXX, previously XXXX give or take. After some lengthy phone calls they were able to find my proof of insurance. They told me the amount will be refunded and my monthlys would return to normal. They have not, they are still the same after the increase; for over 3 months now. When I asked them, they said it's because of a balance on my escrow account, which is only there because of them trying this scam me again the previous year with this same insurance ploy. They constantly transfer me to another department, only to be transferred back to the previous department. Communication with them is poor and frustrating. They put you on hold for 45 minutes, then say we need to transfer you to insurance department. When you finally speak to insurance department, they say they already updated your insurance information, then they transfer you to the payment department ; just to be told we haven't heard from the insurance department. I want what I'm supposed to pay, I'm tired of being overcharged for a service I do not require ; and have proven it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK
State: CA

Complaint narrative:
I have a Commerce bank XXXX credit card. During the month of XXXX my access to the card was abruptly stopped. i was no longer able to log into my account and was not given information over the phones automated system about my balance or payment. 

Since then i have tried to reach out to commerce bank to figure out what's going on. I cant make a payment online or over the phone and don't know how much I owe. 

Commerce bank has reported me as 30 days late on my credit reports. They never sent me a bill statement and don't give me access to my online portal to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
On XX/XX/21, I started exchanging messages with a person on a dating app. This person messaged me day and night, sharing intimate details and eventually gaining my trust. He would talk about his goals, his family, what he had for dinner, etc. It started off as normal conversation for several days, but then he started to mention investing in cryptocurrency and had me switch the conversation to XXXX. He shared with me screenshots of his own cryptocurrency trading, including the amount he would profit. Every doubt or question I had had a seemingly logical answer for it. 

This person eventually convinced me to start a Coinbase account, which I downloaded from the XXXX XXXX. He then sent me an app where he does futures trading, however this was not on the XXXX XXXX. This app was call XXXX. He convinced me to sell my stocks and then pressured me into making a wire transfer to purchase XXXX on XXXX. He said that the market moves too fast for a traditional ACH transfer to be profitable, thus wire is preferred. Once this was accomplished, he then pressured me into sending the XXXX to a separate digital wallet in the XXXX app. I made several wire transfers between XX/XX/21 and XX/XX/21 from my XXXX account to Coinbases bank, XXXX XXXX XXXX, totally {$33000.00}. The wire transactions were- {$6000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$16000.00} on XX/XX/21. Coinbase gave me no warning that the digital wallet I was transferring to was part of a fraudulent company. This person would take me to trade by buying futures in the XXXX app, where you would choose an amount of the cryptocurrency price and a time limit on the amount. These futures tradings were always profitable. I eventually amounted XXXX XXXX in my XXXX  account. I had some suspicion about the app, however it allowed me to transfer {$100.00} worth of XXXX back to Coinbase on XX/XX/21, thus my suspicions went away. On XX/XX/21, he said I could finally withdraw all of my money from XXXX. Upon requesting withdrawal, I was met with a message stating I must pay an additional 20 % tax that can not be deducted from what is already in my account. I was never able to withdraw any money. 

I wrote to Coinbase on XX/XX/21 to dispute these transactions, but I only received an automated email and my account was frozen. They never provided me with updates regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Via Capital One online bill pay, I requested that $ XXXX be paid to [ payee ] on XX/XX/21. The payment appears to have been made as requested, sent as a paper check to the payee. Capital One claims that the check was cashed XX/XX/21, however the payee claims to have never received it. Payee has requested a front-and-back copy of the processed check to see who endorsed it and the processing information. This should be an incredibly simple request. However, I have been on on the phone with Capital One now for THREE HOURS ( over various calls and several days ) with no resolution. Three times they have sent me a copy of the original check with no endorsement or processing on the back. They give me SUCH a run around when I call, putting me on hold, transferring me to someone else, etc. The call I'm on as I type this is currently in its 41st minute, and I asked FROM THE GET GO to speak with a manager because I have learned that the people in the first line don't understand check routing and can't follow a simple request. 41 minutes in, and I still have not been allowed to talk with a manager. ALL I need is a copy of the processed check. Thankfully this is just $ XXXX, and at this rate I'd be better off just repaying it. But I'm deeply bothered by their incompetence -- what if this were a {>= $1,000,000} check?!? This is an abhorrent display of dysfunction, incompetence, and disrespect of my time. ( Information redacted due to publishing privacy concerns )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services XXXX. is a third party debt collection company that has harassed me through phone and interstate commerce about a debt I do not owe them. I have no contract with this company at all, yet they continue to harass me with unfair debt collection practices. I sent a letter for debt validation to this company and received a return receipt but no validation. They continue to furnish this derogatory mark on my consumer report and I didnt give consent to anyone to take this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted XXXX XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that MIDLAND CREDIT MANAGEMENT verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I used the lender Credit Acceptance Co in XXXX to purchase a vehicle. The vehicle was voluntarily repossessed in XX/XX/XXXX. The origination amount was {$11000.00}, remaining was, {$9200.00}. Credit Acceptance took possession of the car at the time and changed the account to a repo. Months later they then changed the account to collections. As a repo they must provide documentation of the auction value and the remain balance. They did not, but they did not. it remained as a collection from XX/XX/XXXX to XX/XX/XXXX. At no time providing the correct documents for this change. 

In XXXX of XXXX Credit acceptance illegally change the account type once more from collection to open. And has remained in this type. This is reflected on all three major bureaus, XXXX, XXXX, and XXXX. And also on some of the other like XXXX XXXX. This is 100 % not accurate and completely fraudulent. I have sent letter XXXX, XXXX, XXXX and have called in XXXX and XXXX of XXXX. In challenging this all 3 bureaus have allowed this to stand even after I have requested proof multiple times. The response is " this company has verified the account ''. They sent me zero documents to substantiate it is the right information ; zero documents proving it is an open account ; zero documents showing the repo information. 

The account itself is not accurate, it is illegally reopened. The amount being reported is no {$14000.00}. The personal information is not correct as I have sent updated info to the bureaus and Credit acceptance. For every incorrect and inaccurate reporting. Under the laws of Arizona, XXXX Article XXXX XXXX, most notable XXXX and XXXX, and State XXXX  and XXXX XXXX a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. this company has not done any of 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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
again, I at NO time told you this wasn't because of Covid, you offered me a plan in regards I could put arrearages at the end of the loan and or paid in a lump sum. This was never offered to me and then you state you placed me on an unemployment plan when I was and can verify I was employed. 
Please can an outside source listen to the phone calls and not this fairy tale they have concocted, for I will continue to file complaints until this is corrected.

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 2021-09-15 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
XX/XX/2021 - XX/XX/2021 several charges were made on our credit card. The total amount was {$5.00} ; XXXX. These charges were made in XXXX XXXX. According to Bank of America, these purchases were made on site - chip was read, PIN was entered or we signed for the merchandise. We havent been to XXXX XXXX & both our cards were in our possession when the fraud occurred. We destroyed them after reporting the fraudulent activity. 
I notified B of A when I saw our statement. They investigated & determined that the charges were legitimate. I disputed that finding. They reevaluated & still came to the conclusion that these were legitimate charges. I am submitting a reconsideration request, w/ some documentation that we were in the US when the charges occurred. 
I would appreciate any assistance you can provide.

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 2021-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: MN

Complaint narrative:
XXXX co-signer release form invalid signature. 

New application started. 
XX/XX/2021 co-signer release application call us letter. I called and the costumer service operator advised no information was needed and the application was goi g to be processed. 

XXXX co-signer release application call is letter expiring letter. 

XX/XX/2021 co-signer release reapply letter. 

I called on XX/XX/2021 at approximately XXXX hours because the system stopped sending me emails when I have new messages on their website. The last message I received was in XX/XX/2021. 

The operator advised me that they took too long to process the application and it expired, and they have to start over. She said I had to send me a new reapply letter and I would have to start over and they were going to pull my credit report again.

Company response to consumer: Closed with non-monetary relief