vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020, I had a fraudulent charge to my account by Amazon. I called the bank to notify about the unauthorized charge. I got my card cancelled and my money returned. On XX/XX/2020 the same amount was pulled from my account showing a " reversal claim ''. Chase Bank claims that XXXX has proven to them that it was something that I " did purchased and that it was sent to my home ''. I don't know how that was proven when it was not my purchase. I went to my local branch and they told me to send a fax with what I have to proof. I have sent a fax ( XX/XX/XXXX ) with my proof to Chase bank Claims and shown them that even XXXX  accepts that that there was a fraudulent activity in my account on this order number. I've called the bank 's claims department on several occasions ( XX/XX/XXXX, XX/XX/XXXX ) and even before these dates, and they tell me that I have to call XXXX. I've called XXXX  several times, ( XX/XX/XXXX, XX/XX/XXXX ) and have been texting with them even before this time. At the end, XXXX, told me that they don't do " claim reversals ''. I called Chase Bank again to reopen this claim again and investigate showing them my proof and again they sent me a notice ( XX/XX/XXXX ) saying that nothing will be done about it and my money will not be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: MN

Complaint narrative:
They call multiple times a day. Every time i answer i just hear breathing and then they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I sent out dispute letters to XXXX, XXXX  and Equifax credit reporting agencies. I received no response from the other agencies. Equifax tried to say they didn't receive the letter yet and to wait a few more days. At this point it has been well over 30 days. They claimed they couldn't authenticate me even though I had answered the questions straight from the credit report. I contacted all agencies and they claimed that they didn't receive them. They then claimed a third party sent out the requests. All requests came from my hand and were hand mailed out by me. How can they claim that there was a third party involved if the never received anything? This seems like a stall tactic by the credit bureaus to give a hard time to consumers because they don't want to have to deal with the removal of these items for dispute. 

These letters were done by me and mailed by me. They claim its a third party but in the same breath say they never received anything. How can it be both. They have had 60 days to respond and haven't. I disputed 2 Bkpcys on my credit out of California because I have only ever filed one Bankruptcy and that was a Chapter XXXX in Ohio in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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:
XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD 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 2020-11-20 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  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I was notified by Cashapp Visa debit that a purchase in the amount of XXXX was made with XXXX XXXX at XXXX. At XXXX I immediately went on the Cashapp app and submitted that the purchase was not made by me and it was a fraudulent transaction. I also submitted that the card was stolen and used for the purchase with XXXX XXXX. At XXXX I called XXXX merchant services and had the card cancelled so that no other purchases were made. I then contacted XXXX XXXX and notified them that my card was used to make a purchase and that I did not authorize the charge. XXXX XXXX was very helpful and immediately cancelled the pending purchase and told me it would take between two to three business days to refund the money back to my Cashapp Visa debit card. To this day I still have not received my money back nor is Cashapp doing anything to put the refunded money back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
My business ( XXXX or XXXX XXXX ) closed over 2 years ago. When we closed it, all debts were paid ( not a bankruptcy ) and every company we contacted was told to close any accounts and we confirmed XXXX balances. XXXX XXXX  was the credit card processor and they confirmed the account was closed with XXXX balance. About a year later, I noticed Southwest Recovery Services out of XXXX Texas had an approximately {$300.00} debt owed and late payments on my personal credit report for the entire year. I contacted them and XXXX XXXX  and neither could provide proof of debt. My dispute through XXXX  yielded the same result - no evidence of debt. After months of trying to get proof of business debt for a closed business, and repeated calls ( many were never responded to ), I still have been able to get proof of debt. Today, I finally reached someone at XXXX XXXX XXXX  ( credit card processor ). The first person there said the account wasnt closed properly on their end and they were charging over {$50.00} per month fee even though the account was not being used and they confirmed XXXX transactions for 2 years. They then transferred me within their company and they said they shoed the account as closed and turned over to Southwest Recovery Services collection agency and had no proof of the {$300.00} debt or any additional debt. Therefore, XXXX XXXX  is clueless within their own organization on the closure of the account for my closed business and they cant prove the debt because they sold it to Southwest Recovery. Southwest Recovery cant prove the {$300.00} or any debt because they rely on backup evidence from XXXX XXXX which they dont proof of either. Somewhere in the middle is a mysterious company called XXXX XXXX XXXX that also shows up. Since this account was closed with XXXX XXXX XXXX XXXX XXXX balance and none of these companies have proof of the debt ( as well as this was tied to a closd XXXX XXXX from over 2 years ago ), this should be removed from my credit report, all late payments and debts should be immediately removed from all my personal credit report, and they should mail confirmation of these actions and no debt owed. Thank you for helping stop this fraudulent extortion being performed by these unscrupulous companies. How many more victims out there? Seems like a shell game that warrants a class action lawsuit ...

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The merchant has respond twice to claim # XXXX stating that the charges on the account were accurate for the following reasons : -Funds were deposited into the account days before my card was stolen -All of the available funds were not exhausted out of the account -There were no more purchase attempts made after the card was reported stolen. 

In result, it is the consumer 's responsibility for damages. 

Bank of America has failed to do a thorough investigation for illegal and fraudulent charges on my business account. It is completely ridiculous and unfair to conclude that is the consumer 's responsibility because all of the funds weren't exhausted from the account. This is illegal. Under the Federal Consumer Protection Act, my money is supposed to be insured and protected against all fraudulent activity. 

On XX/XX/2020, my purse was stolen in XXXX, TX. My Bank of America Business debit card was used with unauthorized charges in the amount of {$1400.00}. I reported my card stolen to the XXXX Police Department as well as to Bank of America and opened a claim. I was told by a Bank of America claims specialist that I would receive a temporary credit on my account until the investigation was complete. I never received a credit to my account, nor have I received any written correspondents from Bank of America, in regards to this claim. On XX/XX/XXXX, I called Bank of America, and learned that the investigation had been closed, and they couldn't prove fraud because of XXXX transactions day before my card was stolen, and because whoever committed the fraud didn't exhaust ALL funds in the account, which is not usual fraudulent activity. In result, Bank of America is finding me responsible for fraudulent activity on my stolen debit card. This decision is unethical and unjust. The consumer should not be held responsible for any fraudulent activity on a stolen debit card.

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 2020-11-20 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: FL

Complaint narrative:
Greetings, I sent my round of letters to the credit bureaus because I have inaccurate information on my credit report that is affecting my score, and I want to solve this the fast as possible.

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 2020-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My savings and checkings account was compromised over 6-8 times within the past two weeks. I contacted Chase every time an unauthorized transaction was posted to my account. I even locked my card and ask them not to allow anymore transactions to go through if I didnt personally authorized it. However, that didnt work. So, I asked Chase to restrict my account from any withdrawals or wire transfers. Even after requesting this information, in person and by phone ... my account is now not accessible to me and Im unable to have any access to my money because my License is expired ( during a global pandemic ... thats totally out of my hands ). I had other documentations to prove my identity ( such as, birth certificate, social security and a passport ) and I was still denied access to my money. Im currently unemployed ( due to the pandemic ) and my account was one way to collect my money to take care of my family and pay my monthly bills. Not only that, my sons birthday is on Sunday and now I have to disappoint him, because of chases security neglect. I just want my money ... so, I could bank else where. Apparently, Chase is not capable of upholding standard safety and security for their clients money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
this involves chase ink card it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, chase ink offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: PNC Bank N.A.
State: MN

Complaint narrative:
Mortgage from PNC Bank was opened in 2002 under my name. I fought for a long time to get it removed, however I no longer have the police reports. 

It looks like whomever stole my social security number has been making payments this entire time, which is why I never noticed it. I should have been looking at my credit reports yearly, but it was never an issue until I looked at buying a house. 

I've tried reaching out to PNC Bank, but have gotten nowhere. 

PNC BANK XXXX XXXX XXXX XXXX, OH XXXX XXXX This mortgage is not being reported on either of the other two credit reporting agencies, so I assume back when this first happened, the other two actually removed it, as this is only showing up on the XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
This company isn't following the FCRA laws and regulations, I've sent all the proper documents in to get this account taken off my profile and it hasn't been taken care of as of yet. I'm reaching out to you guys to help me with this matter at hand. Ive reached out to the XXXX and it wasn't resolved. The information being reported is very inaccurate, I let them know that I've been a victim and I have been taken advantage of, with all the proper paperwork. They never had any type of communication with me at all. So many violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a payment of {$200.00} on XX/XX/XXXX it was credited on XX/XX/XXXX however, not applied to my credit available balance. I am being told the payment needs to be verified and will be held for up to 26 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with Experian Credit Bureau regarding a credit card account from XXXX XXXX XXXX XXXX XXXX of North Carolina ( XXXX ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, XXXX, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX District of North Carolina Federal Bankruptcy Court prove otherwise. I contacted my Bankruptcy attorney. He informed me that XXXX has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like XXXX to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.

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 2020-11-20 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2020 a hard inquiry was placed on my XX/XX/XXXX credit report. I called XX/XX/XXXX and placed a fraud alert. I called BB & T and spoke to a consumer rep who was unable to help me. They transferred me to another line. They were also not able to help. I did not make this inquiry.

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 2020-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: KS

Complaint narrative:
We are under the CARES Act forebearance plan with Flagstar Bank due to job loss due to COVID. We are still paying our escrow and have made all arrangements needed for the program. We were not behind prior to the COVID job loss. We now have people coming to our door physically wanting payment. This is not right and we believe this should be considered harassment under the FCRA.

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 2020-11-20 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: TN

Complaint narrative:
XXXX should not be reporting to Equifax and XXXX  an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
A phone call originating with a XXXX, OH based area code ( XXXX ) attempted to collect personal data in order to verify identity, but would not disclose their intent, only that it was a " private business matter '' ; they also indicated that they knew of an old out of state address. They would also not disclose the nature of the company, only that they were in fact calling from Georgia. Return calls indicate that it is a call from Sequim Asset Solutions, a debt collection agency, although there has been no notification or communication from any services that would indicate debts are owed. This was certified after calling the actual services, and validating that money is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TN

Complaint narrative:
XXXX should not be reporting to XXXX  and Transunion an outstanding balance in the amount of {$5300.00} as well as reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of the letter from XXXX dated XX/XX/2018 showing this account has been paid in full. I have also attached as additional proof that this account is paid in full, a copy of my title to the vehicle. This false reporting of a balance due and lates is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
You sent old looking random statements as proof this is my debt countless times owed to Portfolio Recovery LLC. I NEVER EVER paid anything to your company EVER and this is a COLLECTION and NEVER signed a direct contract with Portfolio Recovery. This should NOT be flagged. This is all FALSE and NO PROOF this is my debt STILL. 

Regarding {$650.00}, {$430.00} and {$310.00}

Company response to consumer: Closed with explanation