vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: NY

Complaint narrative:
Request for an Appeal I disagree with an outcome of the billing dispute for the amount of {$1600.00} with XXXX, charge been posted on XX/XX/2020 on my XXXX XXXX XXXX account. 

On XX/XX/2020 Ive filed a billing dispute with XXXX for the amount of {$1600.00}, reason for the dispute was Ive returned the merchandise back to the merchant within return policy, yet wasnt refunded. The reason for the return was that the product Ive purchased ( XXXX XXXX  XXXX XXXX XXXX ) had defective matrix. 

The item had been shipped via XXXX Tracking XXXX and delivered as of XX/XX/2020. When I was filing a dispute via the Chase app the only thing the system requested is the tracking information and the date when the item was returned, which had been disclosed. 

Since XX/XX/2020 I havent received any other request for an additional information which clearly shows on my account in Notices and letters sections. On XX/XX/2020 Ive received a letter stating, that the dispute was closed into merchants favor due to the lack of the supporting information. 

Im asking Chase to reopen a billing dispute and consider the documents attached such as but not limited to : ( 1 ) Copy of the Return request form indicating XXXX Return address ( 2 ) Copy of the shipping label indicating XXXX as a recipient ( 3 ) Copy of the tracking information associated with XXXX tracking XXXX Kindly acknowledge the supporting documents attached below and credit back {$1600.00} to my XXXX account. 


Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I made a request for {$300.00} to be XXXX XXXX  to myself. On XX/XX/XXXX I recieved {$300.00}. I check my account after picking up the funds to find Bank of America deducted {$400.00} out of my account plus a {$15.00} transfer fee. I immediately called Bank of America to find out why and was put on hold for 2 hours then hung up on this repeated 3 times. When I finally reached someone who seemed to want to help they informed me XXXX was sent and I should have recieved XXXX. Since I didn't make a request for XXXX I informed her it was incorrect and requested the money be returned to my account. I was once again asked to hold in which an hour later was hung up on. 

It is now XX/XX/2020 and I have still not had access to my missing XXXX dollars. XXXX XXXX has no record of the XXXX request and Bank of America repeatedly tells me they will fix this issue but has done nothing. I demanded my phone calls be listened to so they know I never requested XXXX dollars so they had no right to change the amount. I am on unemployment which is lower money than I usually have access to. Having a large powerful rich bank steal XXXX dollars from me is financially destructive to my family 's wellbeing and livelihood. I am disgusted.

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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: ID

Complaint narrative:
National credit Adjusters made an official statement that they would stop all collection actions and credit reporting until debt could validated. 
They have not stopped reporting wrongfully on my credit reports and when they failed to validate debt they sent me someone else debt with the last name of XXXX. 
All promises kept in writing were not adhered to and now this validates debt is false and violation of FDCPA has officially been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
California Business Bureau Inc. 
XXXX  XXXX XXXX XXXX, CA XXXX sent a letter dated XX/XX/2020 demanding payment for medical bills which were already paid and adjusted. We wrote then on XX/XX/2020 advising them of these facts in detail and and disputed the charges. We asked them to cease collection their activities and to obey Federal and California laws in this matter. Nevertheless, they went ahead and filed a negative credit report which has caused substantial financial damages. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax numerous of times a day for the last 3 weeks in regards to my credit report. I havent been able to access my credit report from My.Equifax.com. I notified Equifax that I cant access a copy of my credit report and score from no other credit reporting companies either. Equifax continues to transfer me around then telling me to send a copy of my ID and identity proving documents. I faxed this information over to Equifax and Ive continued to call and get transferred and him up on. I asked for supervisors and no one is never available and they place me on hold for hours at a time before ending the call. 

I request my credit report and score be fixed immediately. I request a copy of my credit report and score be mailed to me immediately as well. 

Equifax is violating all laws in regards to my credit report. They are basically refusing me my report, my score, and access to my credit information. 

If this information isnt corrected, I will proceed with legal suit for violation of laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC
State: GA

Complaint narrative:
Following a credit denial letter from my mortgage holder, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX CA XXXX. Phone XXXX on XX/XX/2020. I contacted the main source of the derogatory report, Core Logic Credco of XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/2020. 
Based on an FTC document, Core Logic Credco provides supplemental information to the major credit reporting companies and is required to provide consumers a copy of any report used in a credit decision by its customers. 
I identified myself to the Corelogic Credco agent as a requirement for receipt of the report and after this the agent demanded access to my Consumer Credit file. I refused and the agent in turn denied me the report.

I am uncertain about the legitimacy of this arrangement because credit inquiries will negatively impact a credit score so why is the source of consumer credit transactions trying to downgrade my credit? 
I demand a copy of the information they claim to have on me. I have given Corelogic Credco my PII including my social security number and now I am concerned. 
Thank you for any help in this 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 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: TX

Complaint narrative:
I have a medical collection with Sarma for {$130.00}. I didn't recall getting a bill from the original medical facilities, XXXX XXXX of XXXX Texas, but I did go and some of my medical expenses were not fully cover by my insurance. So it seemed reasonable that this was truly my debt. I called Sarma and asked if I paid this debt if they would take it off my credit report. I've called three different times and have spoke to the same agent each time, XXXX XXXX. The first time I called after asking for the deletion of the account from my report she 'they do not delete accounts ' and promptly hung up. I thought this was very odd since I have paid other collection agencies and they were more than happy to take my money in exchange for deletion. The second time I called she was extremely rude. She said that I should pay the debt then call XXXX XXXX and tell them that I paid and ask them to call Sarma and tell them to delete the account from my credit report. She abruptly hung up on me again. The third time I called I asked to speak with her supervisor because she was obviously not willing to help me. I was told that no one was available other than her. I simply want to pay my bill and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I do not know what is going on with my servicer Mr. Cooper. I thought I was in Forbearance during the COVID 19 Crisis. 
In XXXX I received a curious letter from Mr. Cooper stating that my loan modification paperwork was being reviewed and that all the documents I submitted to them were Receive. Problem Is I never sent them anything. Also I never received an answer from Mr. Cooper if the Loan Modification was approved.

This aroused my curiosity and I did some research and found that Mr. Cooper was disciplined by you the CFPB in XXXX for sending inaccurate paperwork and reporting on their loans that they serviced. 
I also found out that in XX/XX/XXXX The Board of Governors of the Federal Reserve Issued statements for the Services and banks to work with customers on loan modifications including reinstating established loan modifications. 
I believe that Mr. Cooper is creating this paperwork to show the FED that they are working with customers when they actually are not. I ask that you investigate this matter ( see attached Complaint letter set to Mr. COOPER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: OR

Complaint narrative:
Hi! Thanx for this opportunity. The company AAG ( and its servicing office Reverse Mortgage Servicing Department are not responsive to a simple request for an account statement. The company does not offer on-line access despite the fact that assurance was given from the first moment of the application process through closing. The company and servicing center give inaccurate information, conflicting information from many representatives, does not returns calls as promised and has no way to request an e-mail with an account statement without up to a ten-day delay. I have spent over three hours on the phone attempting to secure a statement. I have no options remaining and wish to file a complaint about both offices. Please let me know how to proceed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
My US Bank Reliacard took 7 months to get to me, and I have since spent 2 weeks trying to activate it. Because I am XXXX they have locked the card until I provide them with an address. This is unemployment money and my industry is completely shut down due to COVID-19. I have spent hundreds, maybe 1000 hours on hold over the past 7 months trying to get this to work. Now when I call Reliacard customer service they give me different information each time, and I am now doubting the integrity of their system. I would like my account investigated specifically, and any help finding legal resources to persue restitution for the damages this has caused me. I believe the unemployment benefit system through US Bank Reliacard has been compromised and there may be bad actors working to steal people 's information. I need my account unlocked immediately due to being in an emergency condition of being homeless as we are hitting freezing temperatures. Please help 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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
When I opened a Chase checking account, in person at a location in XXXX XXXX Michigan in early XXXX of XXXX, the representative noticed my SS #, and other personal information was already in their database from a fraudulent credit card opened in my name in XXXX. I verbalized to the representative that a Chase credit card had been opened but i closed it immediately with Chase as it was an act of fraud in XXXX. I continued that day with my banking and received my debit card in the mail for my account ending in XXXX. In XXXX of XXXX i received a brand new credit card from Chase that i had not asked for or agreed to. I immediately called and reported this card to be fraud to Chase and destroyed the card. The last four of  this credit card was XXXX. 10 days later i received a packet from Chase wanted me to complete a fraud claim including a police report. I do not adhere to their request as i believe this to be an internal fraud issue within Chase and XXXX should find the origin of the application and cease this practice. nonetheless i am requesting help to day as Chase is requiring me to compete their claim form ( XXXX ) which include a state or federal report filing the credit card fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America closed my account that I share with my husband. They locked all of our funds and are refusing to give them back to us ( over {$5000.00} ). They are claiming its because my XXXX  loan went into my personal account. The gentleman Ive been speaking with at the bank told me XXXX  would need to call them to get the funds. XXXX  says in no way shape or form will they do that. Its a loan that I am responsible for. Once it left their hands it became mine.

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Data Search NY, Inc.
State: MD

Complaint narrative:
So you are aware, we are paying on this debt. One month was owed that we accidentally skipped, and my husband made payments, today after I told him what happened. 
Our XXXX XXXX XXXX 's credit card apparently went to collections - this is my husband 's card, mind you, not mine - and a XXXX XXXX  ( spelling? ) from the company TrakAmerica, called ME AT WORK asking for me to call them back at ( XXXX ) a number that took me to XXXX 's credit card company. When I spoke to a representative, I told him that I was complaining about the company calling me at work. He said he found us in the system, using my husband 's cell phone number XXXX the one that is in collections XXXX, and said he can't discuss it at all to anyone and that I needed to call XXXX, which is TrakAmerica 's number. XXXX 's couldn't even find my work number when I asked him to search that way. I am furious that they called ME and it's not even my card AT WORK, which they were never given permission to do. This is harassment and I wanted to file a complaint report against TrakAmerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
We have an important message from Associated Credit Services. This is a call from a debt collector, please call XXXX XXXX XXXX claim To be supervisor didnt give me his supervisors name as XXXX I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was trying to close my Regions Savings account and initiated a transfer to my XXXX savings account on XXXX XXXX. There was a {$3.00} to transfer which was fine. I had {$1600.00} in my savings to transfer and the {$3.00} fee should have brought the total transfer amount to {$1600.00}. However Regions then denied the transfer request after sending an email saying the funds were transfered and would show up in my XXXX account within a day. Regions then proceeded to send me an email saying, " Unfortunately, we could not complete your transfer request. The account provider has indicated problems with processing your request. '' They then deducted {$39.00} as a " return '' fee when the money never left the account. After this they tried to do the already not working transfer again, deny it, and deduct another {$39.00}. They were about to do it again when I called, froze the account and demanded it be shut down. They said they would not be refunded me the {$78.00} that they deducted. I am at a loss and not sure what to do from here. I was fine with the understandable {$3.00} transfer fee but am confused why they charged {$39.00} as a return fee when the money never left the account.

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