vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Unbeknownst to me, I was involved in a scam and lost {$110.00} through the P2P money transfer service 'XXXX '. Immediately after realizing I had been scammed, I contacted both XXXX and my bank that was linked to the app, Chase. XXXX could not cancel the transaction I made to the scammer but assured me that I would be able to resolve the matter with Chase by simply filing a fraudulent claim on the transaction. My first phone call with a claims rep at Chase assured me that once the transaction cleared that I would be able to file a dispute against it. A few days later I call back and another rep in the same dept. tells me that it wouldn't be possible due to what is essentially semantics. Instead, I went to a Chase branch ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) and was able to successfully file a dispute against the charge. I received a credit for the {$110.00} and I even went so far as to let them know that I would be able to provide solid evidence that I was indeed scammed and never received the intended product. A few weeks go by and I receive no communication from Chase 's claim dept. about the dispute, which led me to believe that it was resolved successfully. Until this morning when I check my savings account and see that there was a reversal of the {$110.00} on my account and no explanation as to why. I spoke to a claims rep and two different branch reps today and this time made sure to give them the evidence I had about the issue, including emails chains with a XXXX rep that instructed me to deal with Chase directly. I am now missing {$110.00} for second time in two months and Chase seemingly will protect me as a client on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent 5 letters to Equifax within the past 90 days, sinxe they were unable to identify me over the phone. They still havent responded to my letters, neither did my Dispute get resolved. I spoke with a representative on XXXX XXXX by the name of XXXX, Her employee ID was XXXX. I have been put on hold for 2 hours because I have asked to speak to a manager in charge, and again they completely ignored me continue to place me on hold. Never responded to my letters, nor can I see my actual disputes online. This company do not stand of their promises nor do they follow through on their customer service, nor do they listen to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Credit Card Company : Barclaycard XX/XX/2019 I cleaned out my apartment, throwing away a bunch of junk / clutter. 

XX/XX/2019 I received a fraud alert around XXXX that my Barclaycard Credit Card had been used at a local XXXX. The fraud transactions totaled to {$130.00}. 
I called Barclaycard and confirmed that the transaction was NOT made by me. 
At the time, I believed that the physical credit card was safe at my home and I told this information to Barclaycard. 
Later that day I realized that the card was actually missing -- it was likely thrown out by accident from the day before. I did not update Barclaycard with this information as I believed that all I needed to do was confirm that the charges weren't made by me ( which I had done earlier that morning ). 

XX/XX/2019 I received a letter in the mail from Barclaycard -- they determined that the transaction was " valid '' and therefore the balance of {$130.00} were to remain. 

XX/XX/2019 I called Barclaycard at their fraud services line ( XXXX ) to dispute their decision to mark the fraudulent transactions as valid. 
They said that because the physical card was used, and that I didn't declare it stolen, so they decided not to consider it fraud. 
They said the only way to further dispute is to send a letter with documentation proving that the charges weren't made by me ( I don't know how to prove this with documentation ).

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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/2019, I applied for a new account with the bank. I was denied with a generic rejection notice and given no specific reason for the denial. I contacted the bank via the phone customer service number and they were not able to provide any details as to why I was being denied. I previously had an account with this bank and had no issues. I had closed this account a few years ago and never had an overdraft or any other type of misuse of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: IL

Complaint narrative:
Log of calls : XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX XX/XX/19 XXXX And this goes on and on for the last 4 months. I have contacted the company. No one at my number owes this company anything and never has. I have talked to them on the phone and emailed them. Call is from Allied International Credit. Never owed this company or anyone they collect for money. Never on my credit report. I have turned this in before with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
Diversified Consultants collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was recently as of 3 days ago, made aware of a lawsuit with Wells Fargo my mortgage loan provider opened in 2015 regarding failure to approve loan modifications. I had applied for a loan modification along with any other assistance available and I was informed I had to wait 12 months- on 2 separate occasions prior to the what I assume foreclosure. I called Wells Fargo in XXXX as I was trying to compile my financial records to clean up my finances and upload to XXXX for help. I was informed my mortgage was paid in full so I assumed that meant they got the asking price. I asked for the information pertaining to my loan and foreclosure and I was directed to XXXX XXXX XXXX who provided me the attached documents. I had zero knowledge of this paperwork etc. until I received it and I asked XXXX   about it and they told me to review it would be a waste of time as XXXX XXXX XXXX are a professional company who does this all the time. I also have had consistent issues with identity theft since last XXXX which included my computer, ID, birth certificate, medical records etc. and believe my phones given to me by different people when I had them were also stolen and hacked. I believe most recently I even was hacked last night and today as thats how I stumbled upon the class action after asking a friend why the deed to the house was still in my name after so long but had random names I have never heard of before on my paperwork. 

Is it possible we meet to discuss? I can be reached at XXXX or XXXX ( though I believe that address was the one hacked ), it would be best to call, meet live or email XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a Capital One platinum master card. It is shown on my credit report that I had a missed/late payment on XXXX of 2018. It is the only one in over 1 year and a half. I am 100 % sure that the payment was made and that Capital One did not process it quick enough. It is impacting my credit score now heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA. 

On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account. 

I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution. 

I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue. 

This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel. 

I have attached my e-mail correspondence with HSBC and will be happy to provide more details. 

My issue is very similar to the one described in the article linked below. 

https : XXXX? XXXX & XXXX & XXXX Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I chose to reset the password of my Google account where I utilize the wallet feature. I was prompted to verify requested information for authorization. This was successful and the password was stored to my mobile device. On XX/XX/2019 I was prompted to re-enter my password on my laptop. The login attempt was unsuccessful. At which point I attempted to utilize the forgot password option linked to my mobile device for another verification/authorization. I received a message from Google indicating my account had been locked for security until further information was received. Since XX/XX/2019 to the present I have continued to complete the requested steps ( the same steps and answers from the successful reset on XX/XX/XXXX ) with no valid response or resolution to accessing my personal financial and business ad spending data and personal linked bank account information stored by Google, Google Ads, Google Wallet. The company requests an additional email to be contacted, by which has been provided and is listed on the account in question. I have given valid information of the only mobile device and laptop I use to include " Google Collected Details '' as shown and defined by Google below. Additional information such as One-Time Use Security Code from my Mobile device has been provided for further action. Instead the company responds with generic automated messages falsifying their true due diligence of investigating, verifying, authorization of my account and access to my digital data connected to Google Ads spending and Wallet. The process and solutions provided have sent me in an endless loop followed by more generic automated messages with the same links to the same process ( attached ). Furthermore, Google has received the below information regarding my authorization and verification to access my account as this data has been collected, stored and currently held hostage by Google Company. This information will continue to be made available from myself for the company to re-authorize accessibility to this account. 

Google Data Collection as Defined from https : XXXX? XXXX & XXXX & XXXX " Last account activity You can see your sign-in history, including the dates and times that your Gmail account was used. You can also see the IP addresses which were used to access your account. '' " Activity on this account This feature provides information about the last activity on this mail account and any concurrent activity. Learn more This account does not seem to be open in any other location. However, there may be sessions that have not been signed out. 
Recent activity : Access Type [? ] ( Browser, mobile, POP3, etc. ) Location ( IP address ) [? ] Date/Time ( Displayed in your time zone ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MN

Complaint narrative:
my computer was hacked by a scammer or persons claiming to be XXXX XXXX, they got all my credit card numbers my state id photo everything my pass words banking info as in reference to on line banking with credit cards, ,they wiped me out i been trying to get things straightened out, but im XXXX XXXX dont pay much, i was taking care of my dad and being paid for that, but he passed away a year ago i was hacked about two months ago but this discover card calls 30 times a day or more from early morning XXXX to XXXX 7days a week they are driving me crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
Applied at US Bank. They closed my account within 2 to 3 days without a notice. Called spoke to a representative. She did not give me any details. Prior to that conversations I tried to contact her for 3 days, left voicemails, had questions. She did not call back. Called again, she had no response. Did not give me a reason. Did not answer simple questions. Such as, is there something I should be concerned about? Is there something I should keep an eye out in case it were to impact my day to day living? She gave me no details. Said she had the right to close my account due to the terms and conditions. I feel it was an act of racism.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southwest Stage Funding
State: GA

Complaint narrative:
i contacted Southwest Stage Funding and XXXX XXXX also XXXX along with XXXX XXXX XXXX about the inquiries on my credit tried to get them to remove the inquire from my report they said they would, later i contacted XXXX and XXXX to get them to remove them but was gave a death ear on the matter so now im contacting you all for help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I noticed my daughteres savings account went from approx 15k to XXXX within 6 months or so and my statements were being mailed to another address not in the city the account was opened in. I went to the bank and called fraud department to facilitate/resolve as well as called the fraud department who noted and advised me to visit the brick and mortar to no avail for over a year now despite the fact that i provided police reports ect. I just kept getting the run around/miscommunication & told it was me who committed the fraud from a so called reputable bank that prides itself on integrity. 
Each meeting/called was only to delay the time so they could continue to deny replacement of the funds stolen by the offender. I provided the name of the offender/hacker as well with supporting documents such as police reports ; which where disgarded leaving my daughter'e saving depleted and now and overdrawn balance that has been referred to creditors harassing me. I just stopped utilizing the accounts ans was told by the US Bank branch manager that i would not be charged nor account closed because it was fraud related, which was not true & created debt and unwarranted negative reports on my credit. 
I then tried to go to two other branches who acted but then i referred back the branch that i initially opened my daughters accounts. They said that if they wanted to refund my monies they were the only ones that could. So i was left with nothing once again/hopeless/ I then reach out to the regional mananger who acted as if they were concern only to cahoot with the branch manager. i also ask did they need me to send police reports etc. but they had no interest and told me to do what i had to do. 

Overall, my daughter college savings has suffered and now we are in debt owing the banking institution we trusted. Causing us to see assistance via your portal.

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 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: NJ

Complaint narrative:
After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances. 
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reached out to Experian and XXXX to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.

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