vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 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: AZ

Complaint narrative:
On XX/XX/XXXX, I received an email from Chase asking if I authorized a charge on my credit card. I replied that I did not. Chase then closed the account and issued a new card. 

On XX/XX/XXXX, Chase knowingly allowed this fraudulent charge on my the new credit card. 

I have attempted to dispute the charge with Chase. 

The refuse to remove the charge and are simply sending me irrelevant documents to print and mail or fax. None of the documents they want me to fill out have anything to do with an unrequested charge. 

This is simply an attempt to dissuade me from having the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
CFPB I have a new case number with the United State Court because the last case number was closed because they didnt have all the information forms filled in which I left blank. The new case number is XXXX XXXX XXXX v Select Portfolio Servicing et al I refiled the case mostly with the documents I received from you all ( CFPB ) thank you all so so very much you all are the people XXXX angels and thank you for standing up especially for indigent and poor people, May XXXX continue to bless CFPB employees you all are the best!! Therefore Im asking for your continued assistance with the above case number. Select Portfolio Servicing did not apply 3 mortgage payments to my loan account number : XXXX now they are saying I owe payment for XXXX, this is false my mortgage payments are current please review attachments of exhibits A BC and D also they are adding late fees and increasing monthly payments to XXXX which is incorrect my property insurance went down and decrease {$630.00} dollars also before they sent out my new mortgage payments was {$110000.00} which was excessive overcharging. Also Im questioning the Hazard Insurance, why do I have hazard insurance added as Additional insured ( s ) and other additional interest ( s ) all these unknown and unneeded insurance fees and make me pay for, this is a big problem. I got a letter asking if I want to refinance or do an loan modification agreement, this is crazy when this whole loan modification was misrepresented by false documents and false insurance claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: UT

Complaint narrative:
I have attempted to contact fedloan servicing about my re-evaluation for my Income Driven Repayment plan. Their automated voice system told me I could expect a response by XX/XX/XXXX. But I got no response. 

I called in and was told it would be at the end of the month. A few days after that conversation I called back to confirm, inquire why I was given 2 different time frames, and see if it could be expidited. I was transferred to a specialist, there was indefinite silence. No one ever took my call. 

When I wrote an email about my questions. I received a response from a XXXX saying my inquiry had already been resolved from my call. 

So now I'm frustrated that no one can tell me why I was given two different time frames or will cooperate with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I received a text from XXXX XXXX XXXX # XXXX ( which he did not provide and I had to look up ) XXXX XXXX 2020. XXXX informed me I likely could refinance to help me in these very troubled times. I agreed that I would take any help I could get. he said he would pull my credit and look at options and call me as soon as he had an answer. He pulled a hard credit report and I never heard from him again. I sent a follow up text asking what he found out with no response. XXXX weeks later he said there is no excuse for him not contacting me, but provided no information on my qualification status or if anything could be done. 

It is clear I did not qualify and he could not sell me anything, so he had no reason to contact me. this is incredibly unprofessional. Certainly after I informed him of all my financial status prior to him pulling my credit. You are required by law to speak with any customer you pull a report from. thanks to XXXX and Loan Depot I now have another hard pull on my credit for absolutely no reason. 

this is no way to treat any customer, certainly not a XXXX veteran on none other than XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
I'm a victim of identity theft

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 2020-11-11 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: NC

Complaint narrative:
THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.

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 2020-11-11 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: NC

Complaint narrative:
THESE LISTED ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME, SOMEONE USED MY INFORMATION TO FRAUDULENTLY OPEN LISTED ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT.

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I will continue to dispute my credit report for errors until corrected. I will not respond to any letters sent, only response will be conducted through CFPB site only. 
Furthermore, I have not seen any corrections or been provided with the requested information to validate alleged obligation. I have filed complaints with FBI and other regulating authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hi I faced a problem with Coinbase cryptocurrency exchange. And not only me as I found out. I have sent USDT cryptocurrency to Coinbase USDC wallet of my account. Then I have contacted the both companies and had the replies : XXXX- we are not able to help you with the recovery unless Coinbase  will send us a direct message confirming your deposit and address along with the permitiin to recover the funds for you. XXXX regards, XXXX Coinbase automated answer- Coinbase is unable to retrieve this cryptocurrency because we currently do not support it. Regards, Coinbase support.

As we can clearly see, it is easy to recover the funds. It just depends of attitude to the customers and authorities who bond cryptocurrency exchanges to follow the standard business practices. There never was just adequate response from Coinbase and they feel free to ignore the customers keeping customers money on their account. 
You are the part of the Gov what we elected. Please act to protect fair people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mitsubishi Motors North America, Inc.
State: TX

Complaint narrative:
Signed a Lease for a Mitsubishi Outlander Sport in 2015. The vehicle was for a personal use. After returned the vehicle, MMCA started charging me for Property Taxes. The county I live in Texas ( XXXX ) does charge for property taxes on leased vehicles used for commercial purposes. I never agreed in paying such taxes as vehicle was being used for personal purposes. On XX/XX/XXXX the payment went delinquent to a collection company and a derogatory mark was put on my credit report. I contacted the dealership where I signed the lease and the Sales Manager provided me with a copy of the Affidavit I signed in XX/XX/XXXX  indicating vehicle was being used for personal uses, this affidavit is required by the county so they would not assess property taxes. Problem is that this document never made to the county which in turn, and rightfully so, charged taxes. MMCA failed in ending the document back to the county which not only caused me a huge inconvenience with all the harassment to pay something I was not supposed to but also generated a delinquent payment and a derogatory mark on my credit incorrectly. The affidavit is attached.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
I've disputed with XXXX  to have 2 late payments removed from my account with Experian or any credit reporting agency filing a complaint thru CFPB on XX/XX/2020 Bridgecrest had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XX/XX/2020 with XXXX  has stated that the items should be removed byt the credit bureaus have let the items remain

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 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Under 605 ( C ) running of the period, it is a violation to RE-AGED an account on my credit report, in hopes of keeping the negative item on my account. Transunion, XXXX and XXXX are in violation of the FCRA and reporting inaccurate information on my credit report. it is unacceptable and preventing me from being approved for a home. I have reached out to this company sereval times in the lasr few months and they are not doing their. I have found an FCRA attorney who says i can get {$1000.00} for each violation on my credit report. i have included my credit reports to show the violations.

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 2020-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This problem started after I was XXXX XXXX and the person stole my wallet then draining my cards including my california unemployment debit account with Bank of America. This was XX/XX/XXXX. I report this and then was giving back a credit to my account as bank of america approved my claim of fraud and credited my account XXXX XXXX I provided information from the police report I had filed when this happened. Out of nowhere on XX/XX/XXXX my account inoticed wouldn't let me withdrawal the {$500.00} I had in it so I called Bank of America and they told me to call XXXX. When doing so I was told my account was frozen and I needed to provide identification for verification so I did and finally it went through on XX/XX/XXXX according to Ca XXXX. All the while my b of a account was in the meantime in the negative out of nowhere I learned since XX/XX/XXXX and continued rejecting payments and putting me so far into the negative the when I called Bank of America recently for the millionth time regarding this ongoing three mobth ordeal they told me that on XX/XX/XXXX XXXX payments were deducted by Ca XXXX causing all money tht was in my account was taken and my account was then put so far into the negative that anything that was deposited which wasn't anything close to the rightpaent amounts and schedule was immediately deducted due to my account being so far into the negative for God knows what reason.then on the XXXX of XXXX until now XX/XX/XXXX all payments were rejected said the bank of america claims person and told me XXXX has to reissue all payments from XX/XX/XXXX until now so I called XXXX. They said they put me on a emergency list for their finding specialist and I would have my money back within XXXX but probably at before then. I was so happy finally after months to hear this.it has now been over a week now since they said this.nothing has changed. Still none of the XXXX $ owed to me has been repaid. Now in the past three months almost that this has been going on i have lost my place of living and am now homeless as a direct result of this. I have lost countless things and this has caused great problems in my life.i now have nothing and can not live normal day to day life.it has ruined everything I had going and it won't end. I just want my money back. Please help me! I can't even afford to eat every day.

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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had an account with payPal and was using it for XXXX  transaction. I sold my PC and received {$380.00}. Paypal shut down my account without any explanation and freezed my money. There is no any help from them and any explanations. I can not get my money for PC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I applied for loan and found out today XX/XX/XXXX my credit was lower than normal and I couldnt apply for the loan. Normally it is around XXXX but is now down to XXXX. 

I pulled an XXXX credit report and showed {$6100.00} in open debts to a medical company I've never used, nor have I ever received a bill or collection notice from. I called them, and confirmed my info, they had my correct social, but not my correct birthday. The lady was nice and said they would put into fraud status due to the birthday being incorrect but I should contact XXXX. 

The total amount in collections is {$6100.00} from XX/XX/XXXX. The original creditor is XXXX XXXX XXXX. My insurance would have covered this in full if it were truly my medical bill as my insurance always cover everything with the amount I have to pay on it. 

I also called the original creditor, XXXX XXXX XXXX, and they had no record of me in their system. 

The contact POC on my Credit Report for the debt collector is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/20 Phoenix financial services added ( 2 ) seperate entries to my XXXX  credit report. They were listed as new, origin date XX/XX/20. My credit score dropped 25 points. 
On XX/XX/20 Phoenix financial services added another entry to my XXXX report, again reporting the origin date as XX/XX/20, dropping my score a total of 59 points. 
The entries listed the original creditor as XXXX XXXX XXXX of XXXX PA for XXXX each. 
I have not lived in nor visited a hospital in XXXX for several years. It appears that Phoenix financial services purchased an old debt ( if in fact the debt ever existed ) and attempted to present it as new, directly against the FCRA. 
I am disputing these entries with both credit agencies, however, Phoenix financial services practices are illegal and in direct violation of the FCRA so I felt it my duty to report that they are not only breaking, but flaunting the laws put forth regarding consumer protection regarding bill collection, especially medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
i sent equifax and XXXX  a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have a auto loan from Santander Consumer USA for XXXX XXXX XXXX. The loan dates are from XX/XX/XXXX to XX/XX/XXXX. The loan has reached maturity and Santander claims I still owe them {$3200.00}. I have made two additional payments since the maturity dates were reached ( XXXX and XX/XX/XXXX ) as well a double payment for the month of XXXX. The double payment in XXXX was for any late fees associated with my account. I went through a tough financial stretch at the end of XXXX and continuing into XXXX. Santander offered to cut my payment down from {$360.00} to XXXX for 6 months. I payed {$220.00} for XXXX and XX/XX/XXXX and then {$300.00} for XXXX to XX/XX/XXXX. I was not made aware that these payments would go directly to interest when I spoke to an employee in XX/XX/XXXX. I spoke to an employee on XX/XX/XXXX about my principal balance. She explained that I had accured {$300.00} in late fees. So I made a double payment for the month of XX/XX/XXXX. I also spoke to an employee on XXXX XXXX, XXXX inquiring about why my balance was so high. I asked for an itemized copy of the charges and was told that Santander doesn't do that. He instead sent my payment history. I need to settle this loan but feel like I am being taken advantage of by Santander.

Company response to consumer: Closed with explanation