vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2020 I received a message from what I thought was Chime my banks account stating I was approved for a higher " spot me '' bonus which allows you to overdraft for free, I clicked on the link and entered my login credentials only to find out out it was a scam,. 

XX/XX/XXXX I received my unemployment direct deposit for XXXX $ from the previous 2 weeks into my bank account while I was starting a new job and I was in the car with my new boss and a transfer I did not authorize took place to a person named " XXXX XXXX '' in the amountnof XXXX $ on XXXX XXXX 2020. I immediately contacted the bank and told them I wanted to dispute the transaction as I had not given authorization for that nor did I transfer the money to this person, I also was on the phone with a customer service representative and he was watching transactions for a website ive never been on in my life take place called XXXX, I immediately started a dispute and a investigation and was returned with an email on XX/XX/2020 stating during their investigation they found NO error in the transaction which is false because I offered the photos of the emails I received from a scam email that was labeled as my bank and they refuse to give me my money back or open a new investigation. I did not authorize this transfer of these funds and I did not authorize thisnperson access to transfer these funds, I am receiving 0 help from the Chime banking institution and I have emailed the CEO and Owmer but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
XXXX XXXX, 2020, American Express National Bank transferred via ACH {$700.00} from my savings account to American  Express Card Services. It did not post to my Amex card account. They can not say where it went, neither can American Express Card Services. I had to send them a letter asking them to investigate. No response so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I'm on XXXX and the State of New Jersey Department of Labor and Workforce Development  sent a debit card that I never received. It got stolen and I reported it to Bank of America. They even sent me a letter saying that the the card has been subjected of fraud. The amount stolen was {$4400.00} and the Bank of America sent me a new card but with only {$22.00} left on the card. The bank did not put the said amount to my new card and closed the case even after admitting it was all stolen. I've been calling numerous times. I spoke to a lot of people but I lost some of their names. They usually tell me to wait, hang up, reopen the case, or that I will be getting the money the end of the month of XXXX. The recent people I spoke to was XXXX who says I will be getting a letter from Bank of America. Then I spoke to XXXX who says they'll reopen the claim and to wait. Then just spoke to XXXX and he said I will get a call back from the supervisor. I mean this is a horrible bank and how can they say all these lies to a customer whose money was stolen. They have no conscience ; it's pandemic and I'm really hoping u can help me please. Thank you. Sorry about the mess on the letter, I take notes on it from the calls.

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 2020-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX was contacted by me to find out their charges for credit card terminal services. They have collected information from me, HAVE NEVER sent me any terminal, have never provided ANY service to me, and WITHOUT MY PERMISSION OR AUTHORIZATION HAVE WITHDRAWN MONEY FROM MY BUSINESS ANK ACCOUNT. 
My investigation with my bank has revealed this : XXXX XXXX XXXX, XXXX # XXXX, has withdrawn from my bank account {$300.00} for equipment purchases, re-programming fees, gateway fees, virtual terminal transaction, website design, logo design and shipping. 
HOWEVER, I have NEVER signed a contract with them - i had merely filled a form requesting their services, AND ONCE I HAVE FOUND THEIR CHARGES I HAVE IMMEDIATELY NOTIFIED THEM THAT I DO NOT WANT THEIR SERVICES I have NEVER received from them ANY equipment, terminal or services. 
I have never given them ANY permission to withdraw money directly from my account. Rather, if anything, as the potential FUTURE credit card terminal service company I was considering using - I provided on their service application form the details of my bank account in order for them to DEPOSIT collections directly there. I HAVE NEVER AUTHORIZED THEIR PRESENTING TO MY BANK AN ACH AUTHORIZATION before a contract could be signed between us They have never shipped to me ANY product. Their billing me for shipping : {$48.00} is an illegal charge based on FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have made all my payments for the year XXXX usually early to avoid paying such a high interest amount. I was 30 in advance of my monthly payment, I found out they were collecting interest on the payment even before it was 30 days due. I'm not too sure what my rights are pertaining to that matter but once I found out that I was being charged the early interest I started to make a payment as soon as the payment was posted on my account. I paid my payments so far in advance they would not allow me to make any more payments. Which was XX/XX/XXXX 's payment. My argument is if they can post XXXX 'XXXX  payment and collect interest on that payment I should have the right to pay that payment. Which I did over the phone and they accepted my payment and collected the interest off of that payment. They told me that the payment doesn't count as XXXX 'XXXX  payment and I will have to pay XXXX 'XXXX  payment. If they posted the payment and I paid the payment and they collected the interest on that payment can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-02 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2020-12-02 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding is reporting a debt on my credit that is not mine. I recently checked my credit file and noticed this debt on there. It looks like they are trying to collect for XXXX XXXX. I have never opened an account with XXXX XXXX or any retail credit cards and this is someone else 's collection. I've had the same issue of receiving things for someone with a similar name. This debt is not mine and should not be reporting on my credit. I suggest Midland Funding finds who this debt belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
I wrote a dispute letter to Trident Asset Management to the address reported on my credit report. They have not responded. They have verified the information to the credit bureaus. I thought I was entitled to information? Isn't the FDCPA clear in that regard? Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MS

Complaint narrative:
I received notification from XXXX XXXX of a Debt Collection on my report. I look into the claim and its ITEM IN DISPUTE : HWARFIELD XXXX XXXX XXXX XXXX XXXX XXXXXXXX DISPUTE REASON : Ownership I contacted HWarefield and told them this is fraudulent. They asked me to send my personal information information which i refused. This not my debt. I have never personally done business on any level with these people. 

I need this removed from my credit report as soon as possible Thank You

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
American Collections have falsely listed multiple collections accounts on my credit report. I have never heard of this agency nor do I have any knowledge of these accounts.

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 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2020 I mailed a certified letter to Transworld Systems Inc requesting the company to verify the validity of this alleged debt. It has been over 30 days and I have not heard anything from the company and they have yet to remove this inaccurate credit debt from my credit report. This is why I am filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I checked my credit report and saw a collection from : ( Creditor Information : CARTER-YOUNG, INC/ADV ). // * ( Original Creditor Name : XXXX XXXX XXXX ) * ( Balance : {$1300.00} ) I do not have contract with this company, and these clowns are trying to make me pay for a Debt I don't owe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I had my credit card hacked so I placed a freeze. Being newly married it made it difficult to manage two seperate accounts. I was trying to lift the freezes and things went fairly smoothly except with Transunion. I may have been on the wrong page, but I was just trying to sign up for an account with them and their web page is designed to sell stuff. It asked for a credit card, but in no way did I see that I was purchasing anything - a credit report or otherwise. All I wanted to do was see if there was a freeze and lift a freeze. They tried to charge the card twice, very deceptive. It also sounds like all the customer service is outsourced to a foreign country. They make their phone number hard to find.

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 2020-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX ) referred me to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) in XX/XX/XXXX over a {$600.00} medical bill. This bill is supposedly for services rendered in XX/XX/XXXX. 

However, I never received a bill from anyone not on the date of service, and certainly not over the last year. I am XXXX XXXX military, and obviously move routinely. It appears XXXX may have been sending all my personal information to an old address that someone else now has. Neither company can explain to me what the bill is for. 

Thank you, CFPB, for the great work you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Real Estate Agent XXXX XXXX was currently working with Paramount Residential Mortgage Company, PRMG Loan Officers XXXX XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX On two of these files, XXXX recommended the use of a credit repair service in order to raise the clients credit. This resulted in the credit repair company stealing the monies from both clients and XXXX did not want to help with the situation after his recommendation. 

This occurred twice. The last file I removed from XXXX XXXX office in order to close with another financial institution. 

XXXX has been doing this to clients with no reprocussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: TX

Complaint narrative:
On XX/XX/2020 I was billed a charge for XXXX XXXX XXXX XXXX  in the amount of {$200.00}. Someone called me under the name of XXXX XXXX to offer a travel package. I immediately found out that they were not Marriott and reported the fraud to Chase bank. Chase bank keeps telling me that the charge was good, but it was not. I have received no goods or services from XXXX XXXX XXXX  XXXX. Chase says that I did, but have not provided me with what goods or services that they believed that I received. I have no detail as to the vendor, what goods or services they are talking about, I have no contact information for the vendor.. I have written many letters to Chase to resolve the dispute. They write back without any information as to the goods and services provided ; without any information about the vendor : They just refuse to honor their policy to remove fraud charges. My advice to other is not to accept any calls from those who identify themselves as Marriott.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
A business associate and myself years ago purchased a condominium together ... .he fraudulently transferred it out of my name, then he was XXXX  of XXXX  from me, and went toXX/XX/XXXX For 3-5 years, I've been trying to sell the condominium in a short sale ... ... Citizens mortgage company always " goes along with the sale, '' then at the last minute declines it. Citizens mortgage has prevented a short sale of the property on multiple occasions. I'm at wits end on it. I can't sell it, they won't foreclose on it ... ..how can Citizens Mortgage company accept XXXX money XXXX and then not extend to struggling citizens a short sale? Who can address this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have a lot of problems with my Ally Account. Ally claims that I owe them currently an overdue amount of {$1600.00} for missing only one month of payment. My monthly payment is {$620.00}. I pay through my XXXX Checking account, in which this account has been previously blocked by Ally to make payments to. It took me months to get through to clear that up due to unprofessional representatives and unknowledgeable representatives. I am currently on hold making my last attempt at speaking to a representative to come to some resolution on my car payment. They post all over the place that if a person needs help due to circumstances like reduced pay, which is my current situation. I have asked for loan refinance and loan extension, I am told by representatives that there are no options for me. This is HIGHLY DISCRIMINITIVE AND IMMORAL BUSINESS PRACTICES. Please investigate and help.

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 2020-12-02 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: NY

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have tried to sell my house know for 5 years and the deals all fall short a few days before closing when the title commitment is expected to be issued. XX/XX/XXXX XXXX claims to have paid off my original purchase mortgage XX/XX/XXXX and for some reason have no financial records to prove that they paid a dime for the mortgage. The mortgage is stamped cancelled with no indication of being satisfied. I have tried to get the release of lien and discharge so I can sell the house but XX/XX/XXXXXXXX doesn't have it. Taking into consideration that XX/XX/XXXX XXXX has no proof of paying off the mortgage it is very hard to believe that the " mortgage '' has been transferred time and time over again to a party that lays out over {$100000.00} and has absolutely no proof of payment to Hudson City Savings Bank. It is very hard to believe that any party would buy paper with no paper trail and pass it from one party to another on a regular basis. Take a look at the attachment that shows in book XXXX page 96 the lot and the block was changed. 
I not exactly certain where the fraud is but I am very sure that fraud has taken place. 


I need to get ALL the information for my Hudson City Savings Bank mortgage said to be issued on or around XX/XX/XXXX for XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX, XXXX XXXX house. The mortgage origination number was XXXX the alleged mortgage number is XXXX I need to know if the mortgage was actually issued, recalled or foreclosed. 
I need to know if the mortgage was paid off and who paid the mortgage off and the ate it was paid off and the amount paid if any. 
I also need to know the current status and why there is no release of lien or discharge of mortgage and how to get such records if they exist. 

I would greatly appreciate your cooperation with this very serious matter.

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 2020-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXX Data Breach. I demand to Deleted those account ASAP or I will file a 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 explanation
Consumer complaint received 2020-12-02 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: FL

Complaint narrative:
On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Deleted those account ASAP or I will file a 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 explanation