vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone stole my Chase XXXX visa credit card # the week of XX/XX/XXXX and charged {$380.00} at 4 gasoline stations across XXXX XXXX. I was shletering in place at home that week and didn't fill up my car or visit any gas stations. Chase is asking for proof that I was at my home. I need to file a police report in order to gain access to my cellualar location records according to XXXX and XXXX XXXX XXXX. Chase 's fraud recovery team isn't taking inbound calls during the pandemic. I plan to file a police report tomorrow, but am extremely frustrated that I've spent hours trying to resolve this with limited success. I've been a Chase customer 20 years and they are using customers to cover fraudulent payments that their systems failed to detect. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01 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: CA

Complaint narrative:
I was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-01 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: NJ

Complaint narrative:
I was a victim of identity theft. I filed a FTC identity theft report on XX/XX/2020. I mailed the documents to Experian on XX/XX/2020 certified mail return receipt requested, tracking XXXX. Listed was the fraudulent accounts with personal information as well. On XX/XX/2020 and XX/XX/2020, the disputes have concluded and accounts remained that were disputed. Those accounts included XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  and XXXX XXXX  XXXX NJ XXXX. I have a hard time seeing these accounts being verified as I have reached out to the companies individually by mail on XX/XX/2020 and have only received bills. No actual contract that would verify these accounts as accurate. 

I submitted a second request for verification on XX/XX/2020 of these accounts and they were again verified as accurate. Certified mail receipts attached. 

Submitted a third request on XX/XX/2020 and again verified as accurate. Certified mail receipts attached. 

A fourth and final request is being sent certified mail today to Experian before litigation against these fraudulent accounts as they are damaging my credit worthiness. I am requesting that they promptly be deleted or verified 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 explanation
Consumer complaint received 2020-06-01 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: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Thank you for taking the time to review the complaint. HealthCare Collections continues to furnish unknown debit on the XXXX  profile. 
Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint continues to furnish a collection unknown account on the XXXX  credit profile. Requested validation of a signature and contest to contract.

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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Due to Covid 19 I have been unable to pay not only this loan but other bills such as mortgage light cable .It has not only been difficult but very depressing and hard to deal with.I am not asking for sympathy but empathy .For me to start building and growing again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notification from my credit monitoring system that a new collection has been reported by Enhanced Recovery Collections for a XXXX XXXX XXXX  account. I was immediately upset about this. I immediately called them and attempted to resolve the account. My conversation with the Enhanced Recovery agent informed me that this account was for an old account from XXXX, and that they had received the assignment in XXXX of XXXX. I informed the agent that I was upset that I had not received any written notifications about this account BEFORE it was placed on my credit report. I was clear that should I have received the written notification that I would of paid it on the spot. The agent informed me that they had not been able to mail anything out to me to inform me of the collection due to the fact that they received the account right as the Covid 19 Pandemic was declared. I was appalled that they refuse to delete this account from my credit report even after they admit they were not able to properly send out a first dunning notice to me as prescribed by Federal and State Debt Collection laws. 

I tried another phone call and tried to again give them a payment in full but they again would not want to commit to removing this from my credit report. I opted to visit my local XXXX XXXX office and pay it in person. This account has been paid in full and I demand a removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Account Name : SYNCBXXXX, Account # : XXXX, Account Name : XXXX XXXX Account # : 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 2020-06-01 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: CA

Complaint narrative:
I was made aware of several accounts reflecting badly on my credit today XXXX when I was turned down from getting a personal loan at XXXX. I had no idea these accounts were on my credit because I did not open them and I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts that were opened in my name such as money, goods, services or any other benefit nor did I take part in any payments made towards these accounts. I do not have any written/verbal contract with any of these companies and I never allowed them to access my credit information. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  boat on XX/XX/XXXX. At the time of purchase, Yamaha offered a finance option which put all payments in excess of the required monthly amount directly towards the principle. This was the option chosen ( section 7, paragraph 2 of the loan agreement ). 

The payments began in XXXX of XXXX. At this time XXXX XXXX  was managing Yamahas loan program. My payments were in excess of the required amount, and in XX/XX/XXXX I began doubling the required payment. The amount above the required payment was always properly placed against the principle ( as annotated on each monthly statement ). 

In XXXX of XXXX Yamaha Financial Services began management of my loan. At this time my payments stopped being applied according to the loan agreement. On XX/XX/XXXX I spoke with customer service ( XXXX XXXX. XXXX ) and was ensured that the amount over the required payment would be put against the principle. It was not. 

In XX/XX/XXXX I received a statement that showed my required payment as {$760.00} ( double the required amount ). I again called Yamaha and made the following memo for record : Spoke with XXXX @ XXXX from XXXX XXXX ( XXXX ) on XXXX XX/XX/XXXX. I voiced my concerns that the required monthly payment that they had, appeared to be incorrect, and that I believed that the application of the additional payment was not going directly to the principle as described in my loan agreement. 

She stated that the monthly payment had been corrected to {$380.00} but the additional payment had been put against the next months payment, rather than the principle as per the loan agreement. I explained that I had already sent a query to XXXX. She also submitted a request for review, and I requested an email response from that review. 

I have never received an e-mail response from that review. 

I have stated on my payments that all amounts in excess of the required payment, be put against the principle as per the loan agreement. In conversation ; once again with Yamaha Financial Services, I was told that I could not put that on my mailed payment, and that I needed to call every month if I wanted it changed. I made one attempt and was told that they couldnt change it unless I made the payment over the phone. 

I have sent approximately 10 12 e-mails to Yamaha on this subject. I have had 1 response, and they just again quoted according to the waterfall I received a call from account admin on Saturday XX/XX/XXXX. We discussed the problem with the application of the excess payments. I had previously emailed a copy of the loan agreement an we reviewed it together. The agent attached the file and forwarded it for further review. 

I received an email on the evening of XX/XX/XXXX stating that would need to call every time that I wanted the excess to be applied in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I got an email from my XXXX college email address from a XXXX XXXX XXXX He was looking for anyone willing to work as his XXXX  on a part time basis. I applied for the job position. He said he was a professor at the XXXX XXXX XXXX, part of my job responsibilities would be running errands, making payment, booking appointments e.t.c On XX/XX/XXXX he sent two checks to my email. {$3500.00} and {$3800.00}. He said i would make deposits on his behalf to some orphanage. He asked me to transfer {$2000.00} to XXXX XXXX using XXXX, i said no and that i only make transactions through my bank. I eventually sent {$1000.00} using XXXX through USAA. Then he started presuring me to send the rest of the money, i saw that as ared i called my bank and spoke to an agent to alert them that its fraud and to dispute the {$1000.00} transaction through XXXX. I filled a police report online with the XXXX XXXX police department. Right now my bank is charging m the {$1000.00}. as a returned check, and also a returned check fee. USAA said theres nothing they can do about it. I contacted XXXX, and was told the transcation has posted and there's nothing they can do about it. Am having to pay {$1000.00} that i do not have, am having to bear the brunt even after alerting my bank immediately within 10 minutes to cancel the transaction. Am surprised USAA will authorize XXXX on their banking website knowing fully well that XXXX has no customer or fraud protection. All am asking is my loss or claim of {$1000.00} that was charged to my account and the returned check fee be refunded. Am a victim of fraud and a banking system that has no fraud protection for its customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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:
I noticed information that is inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
We are working with multiple vendors but one specifically have been having difficulty with. Cross Country Mortgage will not give us an accurate Loan Estimate even after filling out their application and providing additional information like number of accounts and balances. I tried following up with the Loan Officer and he gave a Loan Estimate with a XXXX XXXX interest rate and would not provide an accurate rate based on verbal conversations until we agreed to move forward. 

We have found this loan officer to be pushy, and difficult to work with but feel its important that others do not fall into a trap based on not having transparent information upfront before moving forward with a loan and getting locked into something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
On XX/XX/2020 I canceled my debt collection program with Freedom Debt Relief due to hidden fees. I was aware of a {$12.00} fee, but was not aware of the additional fees for a monthly service fee {$9.00} and a settlement fee of {$370.00} for just reaching a settlement with the debt collector. Total monthly fees for {$400.00} for XX/XX/2020. FDR is full of lies and should not be doing business in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX. 2019 I phoned usaa. CONFIRMING I WILL NOT BE PAYING ON THIS ID THEFT ANY MORE I REQUESTED REMOVAL XXXX  XXXX PAY INFO. from usaa rep XXXX. I DID NOT AUTHORIZE THIS PAYMENT. see attatched XXXX  XXXX WITHDRAWL. USAA POSTED A PAYMENT TO COLLECT THIS DEBT. THIS IIS D THEFT ACCOUNT see attatched ID THEFT case XXXX ** I DID NOT AUTHORIZE PAYMENT This STOLE ALL MY SOCIAL SECURITY funds for 15 days & left me with OD fees @ XXXX  XXXX. Social Securty SECTION 207 DOES NOT ALLOW DEBT COLLECTION & ID THEFT DOES NOT ALLOW COLLECTION. USAA DOES NOT ABIDE BY OUR LAWS. I could not pay my rent buy food XXXX. with my own funds. I brorrowed from my son to survive. SAD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I am desperately trying to save my home because I am on XXXX XXXX and the lender just keeps on making harder for me to save my home. I have my children and wife back home whom won't have anywhere else to go if this happens! 

I called them this morning to accept a payment because I need to schedule one more payment in order to qualify for a modification. At first they said yes we can and now after XXXX ID : XXXX a supervisor from their house said she can't take my payment. 

I am an XXXX XXXX XXXX who is serving our country and just needs to make one payment to save my home! I am not in foreclosure yet but they are getting close. I am just one payment away from qualifying. Per XXXX they can't foreclose on my home while I am XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: NJ

Complaint narrative:
In XX/XX/2020, I disputed my account and the result was This creditor has verified that the date is being reported correctly. As a consequence, In XXXX I sent another letter requesting Method of Verification but they failed to provide the method verification. Kindly see both results attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I made a purchase for a face mask using my PayPal account. The company that I purchased from disappeared and thousands of reviews and posts have verified that this company has scammed me. 

I contacted PayPal in order to get a refund on the item but they are assisting the company with scamming customers and are refusing to refund me my money. I've tried several times to contact PayPal and provided several documents and evidence proving the company is scamming customers and they are still refusing to refund me. 

PayPal is actively encouraging and endorsing scam and fraud by doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
Attempted to send money using Moneygram.. They accepted the transfer and placed transaction a debit of {$1500.00} against my bank account. Received email stating transaction complete. 2 hours later received email stating that my account was fraud and banned me from using their service. 

The transaction was legitimate and an attempt to help my family in XXXX. They are now holding my money for up to 30 days with no explanation. It is unclear if they have or will complete the transaction. I have attempted to contact them but they will not return money, the fee or explain why they deemed me a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK

Complaint narrative:
Triad Financial will not let me purchase my own insurance, or even pay for my taxes on my own. According to Triad, the escrow is figured into my monthly payments. They bill the insurance ( of their choice ) onto the balance of the loan, therefor you will never make progress to pay off your loan. This has occurred for two years. 
I tried to get my own policy through another insurance company to avoid my monthly payments being raised. I am on a limited income and can not afford {$400.00} home payment. I purchased my policy out of my pocket, contacted Triad to cancel my previous policy they provided me. After 45 minutes on the phone and a rude operator later, I asked to be transferred to the escrow manager. I spoke with XXXX XXXX of the escrow department. She stated to email her a copy of my policy and a email stating to cancel the policy and she would be able to cancel it, she had to have this information. I was also told I couldnt call the company and cancel it myself. They went behind me, bought my policy from my new insurance company and are STILL putting this onto my note. Therefor still increasing my payments. 
Fast forward to today, I received a past due notice from that previous insurance ( which damages my credit ) stating I owed them. My insurance policy was never cancelled even when I did follow all the proper procedures provided to me by Triad, in total I sent her 4 emails. I had to call the company and cancel it myself, only then an hour after I canceled the plan on my own did I get a call back from them, after trying to contact them for weeks. 
They also stated to me today I not only owe the money for my new insurance plan but also {$500.00} more due to shortages in insurance/tax fees from the previous years. 


I feel that Triad Financial takes advantage of their customers. I have owned my home for two years and have only actually paid {$1300.00} to the balance. 
They are rude, unhelpful and always give the run around Im trying to solve an issue or get a simple answer for a question. I feel as I am being taken advantage of as a customer and it needs to be stopped. Price gouging, increasing payments until customers cant afford them anymore, and trapping them into contracts is NOT the way to do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Steven A. Booska
State: CA

Complaint narrative:
Fraudulent, never served, default judgment for a dept that is not mine. calls me at work repeatedly, never mailed a notice of Judgment, then leined my property. Levied my Bank, I don't know this person, never owed this person. garnish my wages by provideing false information to the court. 

doubled in amount with interest that I never owed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I want to send and receive money

Company response to consumer: Closed with explanation