vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my phone was hacked Someone claiming to be XXXX  support told me my phone had been breached by a XXXX  IP address. ( which when I checked into my settings a XXXX  IP did show ). They had my full name and address, my XXXX  ID, and the fact that I banked with chase. I believed it was XXXX  support, they had access to my phone through an app called XXXX XXXX. Which is a procedure XXXX  support uses, they asked to confirm that I could not XXXX any money out which I did to a dummy email of XXXX . About 2 minutes later I realized XXXX $ was taken from my account. A XXXX  payment of XXXX  $ and XXXX  . At that point I knew what was happening. I still had " XXXX  support '' on the phone and told them to return my money Now! They promised me that they didn't take it and they would send me an email stating the money would reflect my account and be sent back to my chase checking account. I did receive this email on XX/XX/XXXX ( within 10 min of me asking for it ) but I kept them on the phone as long as I could about 10-15 min went by that's when I called chase and went to my nearest chase branch. I explained what happen and changed my banking accounts on the spot. I attempted to file a claim but they were basically telling me because it was a XXXX  it was not considered fraud. I would need to call XXXX, I attempted to call XXXX they stated because I have XXXX through my bank they could do nothing for me I would have to go back through Chase. I attempted for two days to file a claim and sat on hold for 2 hours each time and no one ever picked up. I then filed a police report because that's what my chase teller told me to do. I filed with proof of emails that the money would be returned from the suppose " XXXX support '' I proceeded the next day back to my local branch where they tried to escalate a claim to the claims and fraud department, we waited for four days. I finally received a response from claims stating they will not acknowledge it as fraud and they refused to file a claim or look into the claim at all. That basically I had to deal with the fact I was scammed of XXXX . Does the Electronic claims act not cover this? How could my own bank not protect me from things like this. How could the banking system offer XXXX if there is no protection in place? The bank cant help me nor can XXXX, that's a scam in itself! The way I was treated and handle from the claims and fraud department was disheartening. They wouldn't even look into what happened, or take a copy of the police report, or the emails stating that I was supposed to have the money returned to me. I will be removing my money from this bank and I would suggest you look into the XXXX process as it is not a safe way to handle money electronically. It should not be offered if no protection is to come with it. I will be escalating to other platforms as I will not rest until CHASE and XXXX do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: IL

Complaint narrative:
Experian is reporting 2 bankruptcies XXXX & XXXX. After many dispute letters and calls no PROOF HAS BEEN PROVIDED. I asked for METHOD OF VERIFICATION. I disputed theses with XXXX XXXX & they since deleted bankruptcy XXXX from their record. I contacted BANKRUPTCY COURT & they expressed they do not VERIFY OR SHARE INFORMATION WITH ANY CREDIT REPORTING AGENCY or ANY OTHER THIRD PARTY .Therefore WHOM DID EXPERIAN VERIFY THROUGH .I AGAIN REQUEST METHOD OF VERIFICATION OF 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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
To whom it may concern : I submitted my loan modification packet back in XXXX  with the correct information for my income and my son 's income. For some reason the underwriters continue to confuse our income and have delayed our review for months now. I have submitted endless amount of bank statements. My son is XXXX XXXX and moved in with me to help save the home. I am on fixed income from social security. I am afraid that I am going to get a sale date because this process doesn't seem like its going anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I have disputed incorrect credit reporting for 7 months now with Shellpoint mortgage, XXXX  and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did Shellpoint mortgage ever service our loan. Shellpoint began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from shell point regarding this matter* Shellpoint should not even be on our credit report. XXXX  and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from shell point showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XX/XX/2021Franklin Collection Service called about XXXX XXXX, I said that item has been taken care of and I have specifically said to not be harassed about it anymore. The Represenative told me to go XXXX  myself. I am represented by an attorney, no lawsuits have been filed as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im requesting from Capital One Any agreement or contract between me or XXXX XXXX XXXX For the account XXXX XXXX XXXX XXXX Or to remove this negative account from my credit report immediately XXXX XXXX XXXX is unknown to me and I dont have any agreement with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company Involved : Experian Reporting Agency.

Date : XX/XX/2021 Disputed items : Two fully paid accounts still showing on my credit history. Experian reporting Agency is not willing to delete those two collection accounts on my credit history.

Payment receipts and confirmation numbers of the two company ' have been provided to Experian company.

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
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
I called and reported that this was not me and they told me they would remove it but never did

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.XXXX XXXX # XXXX account is reporting 30,60 DAYS LATEsinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX. I have been with American Express Serve for years and never experienced anything like what I am going through now. On XX/XX/2021 my account that I have had with you all for 6 years was locked. I noticed this when I tried to pay my bills online and it kept delving my card. I then, went to log into my account several times and could not get in. I tried calling customer service and was told my account was permanently suspended and to write a letter to receive the funds that were in the account. After comparing what could have happened, I realized that my husband received a deposit to my account instead of his and is locked my account. We have both been with AMEX serve for years. I would appreciate if my account were unlocked, so I could access my funds. If this is not done, I will have to file a complaint with the XXXX  and get my lawyer involved. My family desperately needed that money. My entire savings and all are in that account. I am not able to pay any bills, and o am currently sitting in a home without lights because I can not access my funds. I know that my money can not be held. I have work checks, taxes, and other deposits all going to this account that I can not access. My family was already affected XXXX, and now this. My family is in desperate need of this money, or we will lose everything we have! I have a XXXX  and XXXX year old without food, because we have no money. Someone please get back to me via email ( XXXX ) or phone ( XXXX ). I will do whatever it takes to take care of this matter, because my family is in need. Thanks for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: MS

Complaint narrative:
My complaint is on inadequate service, from Flagstar Bank in giving my wife and i a refinance on my VA Loan. I tried to fill paperwork online but there was always a problem with doing it through e mail. I did it well through the company portal, but e-mail always had a glitch in it that they never corrected, which caused me not to be able to transmit the paperwork. I called left word for them to send me paperwork through US Mail, they never did! I am going to call again today and tell them to send me all paperwork through The US Mail.

I feel as if these people do not want to close a refinance for me on my VA Loan, their effort has been sub-par, as well as selfish as I believe they are trying to keep me in the higher APR loan, by creating these problems.

I am hoping my age was not a consent for them to treat me this way or they just inadequate in giving proper service, trying to do it their way instead of the right and legal way! I need them to send me the proper paperwork through US Mail, ASAP, with all papers that need to be signed and a list of everything that needs to be sent to them they may already have some copies of items requested to be submitted to them.

I know they are not offering me the best APR rate, that We qualify for, because other companies have quoted lower rates!

If I go to other companies I have to pay closing cost with my current mortgage company Flagstar Bank, I will not have to pay closing fees!

Please, help me with this problem, my loan officer for this attempt to refinance my VA Loan, is XXXX XXXX. Telephone # is XXXX. We have been trying to get this done since XXXX!!! 

XXXX 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 2021-07-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im building my credit so I check it every so often. so I wake up one day to see that I had hard inquiries from comenity bank/ XXXX XXXX XX/XX/2021 and XXXX XXXX  XX/XX/2021 I have no knowledge of these accounts an I want them removed ASAP please an thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX SS # XXXX dob XX/XX/1962 stop ignoring me and give me answers If some hacked your account and stole your money you would want answers!!!!! 

I Want my money back, security called and told me this would be resolved and it still has not been resolved i need for someone to call be back.I want someone go to jail for hacking my account i need this resolved ASAP READ!!!!!! 

This is XXXX XXXX and here is what happened with my account, on XX/XX/XXXX someone hacked my account and sold all my crypto. They sold XXXX and they sold my XXXX  and they sold my XXXX and then they went shopping with my money. They went to XXXX and company in Washington State, I live in Virginia. They used XXXX of my money. I called XXXX and company last night at this number XXXX they ignored me. I tried to tell them that someone used my money and gave them my name but they could not help me. 

I then sold all my stock and i'm trying to close my account and now all my money is gone this morning!!!!!! 
I can not do your job for you. I needs to go to your security department and all want all my money back!!!!!!! 


This was my retirement money and now it is all gone. I am an old XXXX man and now I am broke!!!!! 

I need you guys to call me ASAP XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, XXXX  and Transunion. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. XXXX  and Transunion are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have disputed incorrect credit reporting for 7 months now with XXXX  mortgage, Equifax and XXXX. * please see all attached documents. ** We had a mortgage in XXXX of XXXX to XX/XX/XXXX. Which at no point did XXXX mortgage ever service our loan. XXXX began servicing XXXX 's loans on XX/XX/XXXX. Our mortgage was already closed and paid in full. *see attached letter for the letter from XXXX  XXXX regarding this matter* XXXX  should not even be on our credit report. Equifax and XXXX  are both reporting 120 days late which Ive also disputed and neither have cared to respond or communicate any investigation. 

Ive included copy of the credit report showing the account, the letter from XXXX XXXX  showing they never serviced my loan, the release of mortgage deed release dated in XXXX. 

I want this whole account removed off my credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CA

Complaint narrative:
XXXX XXXX  account does not belong to me Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
On XX/XX/2021 Coinbase Company said I XXXX XXXX. XXXX had insufficient funds to buy crypto currency. I have a balance of XXXX for this day, and Coinbase withdrew XXXX, XXXX, XXXX, XXXX, XXXX, for a total of XXXX withdraws of my funds on this day. There are no insufficient funds, this is an error on Coinbase. I need Coinbase to put my funds back into my XXXX XXXX XXXX bank account. I have provided Coinbase with my bank statement for XX/XX/2021 showing withdrawal of XXXX, and no insufficient funds. The easiest way to look at what happened is to look at my XXXX tokens wallet history. On XX/XX/2021 I converted XXXX  to XXXX tokens. This gave me a total XXXX tokens of XXXX in my wallet. Later in the same day Coinbase XXXX from my bank account, but no tokens for the payments. My XXXX tokens balance is still at XXXX, given no tokens for the XXXX taken out of my bank account. the XXXX would have brought my XXXX tokens wallet balance of over XXXX. My XXXX wallet tokens balance is still at XXXX to this day. Coinbase Company refuse to resolved this problem.

Company response to consumer: Closed with explanation