vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-08 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: CA

Complaint narrative:
My account was hacked and several unauthorized payments of a total of {$4900.00} were made using XXXX and apple cash from XXXX. 
I reported this as soon as I found out to Chase bank who initially reimbursed the amount back to my account. 
On XX/XX/2021, the bank notified me that their research concluded that the transaction was authorized and that they would take back the reimbursed amount of {$4900.00} on XXXX and XXXX. 
After getting this message, I made several attempts to talk to them on the phone even visiting one of their branches. First, calling them and being connected with someone was such a painful process as I was put on hold for up to 50 minutes. Even during this long hold I would be disconnected without any announcements. 
After several frustrating failed attempts spanning several days I finally was able to get a hold of someone who said I had to provide proof that I did not authorize those transactions to be reimbursed the lost amount. This is impossible for me because ( 1 ) my account was hacked ( I don't know how ) and the transaction was made using my account and password by a wicked hacker, ( 2 ) I don't know the other party who received the money. How am I supposed prove that I do not know that party. 
Isn't it the bank 's job to find out the ip address of the receiver and figure it out? I don't have the technology and knolwedge to do that. 

I am already indebted with my college loan and I just can not afford to live with extra financial burden which is of not making at all. 

The bank is not doing its job to support their loyal customer and making it so difficult to dispute bank 's wrong process and due diligence. 

I demand full investigation into this matter and a full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 reported identity theft and Transunion took XXXX XXXX  off and then put it back on. This information is fraud and I would like it removed immediately.

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 2021-05-08 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: FL

Complaint narrative:
On XX/XX/XXXX Equifax received my disputes of several tradelines showing on my credit report. As of XX/XX/XXXX ( 34 days later ) Equifax has not responded to my letter or deleted the tradelines from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021 I had a ppp loan deposit sent to my capital one 360 savings account the ppp loan was approved by the sba and fountainhead the lender I tried to initiate a wire transfer of the funds out of my capital one account and my account was froze so when I contacted the capital one customer security team I was informed they had to investigate my ppp loan so I sent capital one fraud department all the paperwork to prove it was not obtained fraudulent on XX/XX/XXXX my funds were still unavailable for with draw and capital one accepted the 2nd draw payment in my account and determined that I was not eligible for ppp funds my loan was not with capital one and they have no legal grounds to make me ineligible for a loan that was approved and funded by someone else I have been speaking with the capital one fraud department since XX/XX/XXXX trying to get access to my money so I can stay in compliance with the rules set forth by the government for ppp funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I wired {$2000.00} to family member in XXXX from a td branch. I paid {$50.00} for the transaction which brings the total to {$2000.00}. When I checked on the status on XX/XX/XXXX, i was told it had been processed and sent. The recipient never received it. On XX/XX/XXXX, XXXX was returned to the account with no explanation. I contacted the bank, i went to the branch, no one seems to be able to assist me. Apparently, TD sent only the equivalent of {$1800.00} the receiving bank in XXXX rejected the transfer because it was incorrectly noted as {$2000.00}. I have attached these receipts. The agent who helped me on XX/XX/XXXX did his own exchange and incorrectly noted that the exchange rate was XXXX XXXX for {$1.00}, when it should have been {$88.00}. TD deducted XXXX from my account and they need to make me whole for the remaining portion that they deducted and did not send and therefore could not be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Debt allegedly occurred, XX/XX/2015. I have never been to this facility. My identity was compromised in XX/XX/2015. I have taken all necessary steps to dispute this and other debts with their original creditors. I.C. System refuses to cancel the debt/cease contacting me. I.C. System has added charges to the original debt citing " additional charges being incurred ''. I.C. System practices unlawful tactics. I.C. System has been advised that I do not owe this debt. I.C. System has been advised that this debt is invalid. I.C. System, their agents, and affiliates have been advised not to contact me anymore regarding this debt via telephone, e-mail, mail, or any other method.

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 2021-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my credit karma and I see where Equifax has taken XXXX points from me all because a collection came off my credit report and my credit card balance increased by {$31.00}. This is just wrong. My score should have went up not down and surely not XXXX points. Equifax is pushing me for getting my credit on the right track,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: PA

Complaint narrative:
Equifax has a medical bill collection that does not belong to me. It also shares enough information about the account of that bill which is a HIPPA Violation! I want this incorrect account off my credit report. I have tried everything to prove I am a victim of Identity theft. Still to no avail no one from this company will help me. I provided all necessary documents in order to prove my case. I also have 2 fraudulent accounts from XXXX XXXX XXXX XXXX on my credit report. I want this matter resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
Ingo money, XXXX XXXX, serve acct # XXXX XXXX XXXX Porte acct # XXXX XXXX XXXX XXXX ( closed now ) Been using Ingo money for years paying 5 % and now refused to serve my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
XXXX ) On XX/XX/XXXX, I ordered a pair of boots on XXXX and paid {$61.00} via PayPal and I expected to receive a Left foot and Right foot. The details of my order are still in my account on the XXXX XXXX online store. 2 ) On XX/XX/XXXX, I received my order from XXXX XXXX XXXX ) On XX/XX/XXXX, I opened the package and realized that XXXX XXXX had sent me the WRONG product : they sent me a Left foot and Left Foot. Nobody can walk in a left foot and left foot pair of shoe. XXXX XXXX XXXX XXXX advertised a Left and Right shoe ( see attached screenshots of their product advertised on their online store ). 5 ) I immediately attempted to contact XXXX XXXX on the phone the same day I received the order, but could not get through the line. 6 ) Then I submitted a claim on Paypal the same day too.7 ) All I need is to RETURNthis WRONG product to XXXX XXXX and get my refund. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time I am told that they see that the items were wrong and are going to be fixing the issue. They say they will send me an email confirmation. But I have never received any email follow-up and certainly no resolution. 

Rather, they keep on sending me a " request for information '' requiring me to take the boots to an expert who will then certify on an official letterhead that the item is not as described. 
Never mind that 1 ) we are talking of a {$61.00} leather boot, 2 ) they can see clearly from the pictures that the item that they sent is wrong 3 ) why must I take the book to an expert for certification when I am asking the XXXX to take their boots back? they can take it back and certify for themselves if the item is correct or not. 

These outrageous request for " expert certification '' from paypal and its sellers are corrupted denial tactics to abuse customers when they know that they have no other reason to withhold a refund. 

This issue occurred in XXXX, 2 months ago. If ninewest and paypal truly lived by what they purport to be their values, they would have promptly apologised for the mistake. Rather they chose to put me through endless aggravation for a mere {$61.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH

Complaint narrative:
My name is XXXX XXXX my husband gotten a VA loan 30 years ago, he passed away in XXXX I paid my mortgage faithfully for approximately 30 years then I had to refinance it when he passed away, well it was sold the mortgage from XXXX to Bayview mortgage company I fell behind on my mortgage because I was hospitalized during the XXXX outbreak, then my mortgage was sold again, to new mortgage company I called talked to them and they had me fill out paperwork for basically to take payments I was behind on and put it in the backend of the loan I was told, ,well fee months later I find out they sold my house out from underneath me, now I'm basically homeless, I was told many things by the new company and never happened,, especially when I was hospitalized during the XXXX outbreak, is there anything I can do I tried everything but no help from anyone, sincerely mrs XXXX XXXX ,my contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax failure to provide original source investigation documentation used to verify account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: OH

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I filed a complaint on XXXX XXXX, XXXX XXXX, and XXXX XXXX and the NFCU refused to issue a provisional credit to my account when I filed a fraud claim against XXXX XXXX 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 2021-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 : I agreed to purchase a car from online retailer XXXX from for a total of {$23000.00} paying {$7000.00} down payment and financing the balance. I specifically confirmed with the Car Specialists XXXX XXXX that the California XXXX test will be performed on the car before delivery. On the same day paid {$500.00} on my credit card to hold the car until the purchase is complete. Also I submitted a credit application on the same day. 
XX/XX/2021 : I signed the purchase agreement ( the electronic portion ) and the loan documents and wire transferred the down payment balance of {$6500.00}. 
XX/XX/2021 : I received via XXXX  the paper portion of contract that require my signature and return to XXXX, but these documents stated that it is my responsibility to perform the California XXXX inspection and a VIN inspection. On the same day I requested to cancel the purchase and never signed the contract. 
XX/XX/2021 : I received an email from XXXX XXXX at XXXX confirming the cancellation and refund of my down payment. 
XX/XX/2021 : XXXX XXXX the {$500.00} to my Credit Card and on a later date sent me a check for the {$6500.00}. 

The problem I am having is that XXXX XXXX services by CHASE opened an account under my name for the amount of {$16000.00} and is now in past due status. I called and emailed CHASE and they told me that they can't do anything about the issue because the dealership did not send them the cancelation documents. I called XXXX numerous times and every single time the customer service rep say the will transfer me to the specialized department only to left on hold for 45 min then another rep tells me the same exact thing. I tried escalating with Chase and the promised the will work with their dealer management department to resolve the issue but today XX/XX/2021 I am still receiving past due statements from Chase for an account that does not belong to me since I never took possession of the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: PA

Complaint narrative:
I have to date made 6 attempts at trying to resolve having my current payments with Midland Mortgage reflected with the 3 credit bureaus. 

At this point. I have shared multiple times that this is preventing me from getting a new mortgage to purchase a house. 

Additionally, this has stopped me from being able to sell my current property due to not be able to obtain a new mortgage The only viable communication I have received is from XXXX XXXX on XX/XX/XXXX showing that the last reporting to the 3 credit bureaus took place onXX/XX/XXXX, but Midland only reported updates thru XXXX, even though my XXXX and XXXX payments have posted on my mortgage account prior toXX/XX/XXXX 

When I spoke to XXXX, my payments were sitting in Unapplied funds and she explained thats why my credit hasnt updated. XXXX mentioned this is because of a Covid backlog. 

When I asked to speak with someone responsible for updating and reporting my payments to the credit bureau, I was told they wont help you, they dont even answer us At this point Im starting to feel that this is discrimination and their attempt to stall the credit bureau reporting so that I can not start a relationship with another lender. 

XXXX spent many days and hours traveling, my time and money, looking at properties under the belief that Midland was going to update all payments thru XXXX at the end of XXXX. 

I have tried to secure a mortgage with other lenders. But have been declined due to their negligence in reporting. 

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 2021-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I submitted an Error Resolution Notice under 12 C.F.R. 1024.35. This letter was received by Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX ) on XX/XX/XXXX, as USPS has verified receipt of the letter and signature by person XXXX XXXX. 

As at the time of submission of this report on XX/XX/XXXX, I have not received an acknowledgement to the letter or investigation from Mr. Cooper, despite several attempts to correct an issue related to multiple erroneous charges for Mortgage Insurance ( NATIONAL MI  ), totaling {$3000.00} in excessive withdrawals from my mortgage escrow account, all being delivered to NATIONAL XXXX which is owned by Mr. Cooper. 

Here are the facts : 1 ) My mortgage was purchased by Mr. Cooper from XXXX on XX/XX/XXXX. This mortgage only started on XXXX of XXXX after a re-financing from a different bank. 
2 ) For the months of XXXX and XXXX, Mr. Cooper has withdrawn {$510.00} a total of EIGHT ( 8 ) times each, for the concept of Mortgage Insurance, and paid to NATIONAL XXXX despite the mortgage only having been in Mr. Cooper 's portfolio for 2 months. Six ( 6 ) of these withdrawals are erroneous and need to be credited back. 
3 ) I have contacted Mr. Cooper several times as follows : - Over the phone twice on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over email ( secure message ) on XX/XX/XXXX - Over error resolution notice ( physical mail ) on XX/XX/XXXX, signed delivered XX/XX/XXXX I kindly request the assistance of the CFPB for resolution, as my mortgage escrow is now in negative balance. I believe this is a result of a systems glitch in Mr. Cooper 's transfer of my mortgage to their systems, which is going to result in a charge of {$510.00} multiplied by each month of life of my mortgage every single month, rather than a single charge. This is exponentially going to accrue to hundreds of thousands of dollars of erroneous withdrawals unless Mr. Cooper takes immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08 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: SC

Complaint narrative:
I have not received a free credit report from Transunion despite my request. Each time I try to start a dispute online, I am told the website is having technical difficulties. The former is reasonable when its a day but two months? Also, there are two accounts paid in full that show collection derogatory. I can not file a dispute because the website does not permit. When I call, the wait times are unreasonable. Also, when I try to file a dispute it requires consent to contact creditor and informs me my dispute may cause them to discover additional information. They was the consent request is written the intent is to i consumers from filing a disputewhich they can not on the website because they are having technical difficulties for months now. 

It would not be a big deal if they updated my report more than twice. But, its hindering me because we are trying to buy a house.

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 2021-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: AZ

Complaint narrative:
The debt collection agency that my medical debt was sold to is trying to collect {$1000.00} OVER the actual owed amount, with no itemized statement explaining WHY it is they're charging me that much over the actual balance. In Colorado the company can only inflate the debt if I agreed to it and signed a contract, which I did no such thing. I understand it is my responsibility to pay the original balance, but grossly inflating the amount owed is disgusting and should be illegal.

Company response to consumer: Closed with explanation