vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a chase checking account from which {$2000.00} was taken out fraudulently through XXXX, which Id never used until yesterday because its not secure. I received a text from an 800 number claiming to be chase asking if I authorized this transaction during my XXXX treatment. As I was replying no, I received a call from what was supposedly the chase branch in XXXX, NC. The man on the phone said that I had to use XXXX in order for XXXX XXXX to stop the {$2000.00} requested from being taken from my account. I said this was suspicious and asked for identification as I didnt think he worked for chase. He gave me a supposed chase identification number, so I did as instructed. Now, I lost $ XXXX. I called the branch number back, and the manager told me theyd never use this procedure ; & no one with that false identification worked there. I then called Chase fraud department and spent 7 hours after XXXX treatment getting the runaround, and told my money was gone. Then, I called the office of the CEO. Supposedly they are working on it, but they blame me and said theyre not responsible for XXXX . This is the second time in two weeks that my chase products have been compromised. Last week it was my credit & debit cards. The bank wont let me change my checking account to protect my identity without fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN reporting of XXXX XXXX XXXX is a unsubstantiated assertion. 
This is my 6x time requesting removal. EXPERIAN has mastered denying CFPB investigations. Check all prior responses from EXPERIAN. 
XXXX / XXXX / XXXX / XXXX ... 
Attached is exhibit of the account reporting from EXPERIAN report.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
Notice, it is a fact, CFPB is not investigating how EXPERIAN is handling my consumer complaints. Keep allowing EXPERIAN to use the no authorization to do anything. 
That is exactly my complaint who gave EXPERIAN any authorization to use or report information on my report, even worse a unsubstantiated assertion. It is a fact EXPERIAN has discovered this filing process is all electronic and no actual human is overserving the process and all they got to do is manipulate the system with responding by code delay, or stating they do not recognize the account. Attached is a copy from EXPERIAN of the account reporting on my report. All these denials is just now exhibits for the deception from EXPERIAN.

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 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DocuService
State: NJ

Complaint narrative:
On XX/XX/2020 I went into an agreement with DocuService Loan Repayment XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX informed that because I worked for the State of New York they could pay down my Federal student loans at a lower rate. I started paying them on XX/XX/2020 -XXXX. I made 2 more payments for that amount. Then I made 8 more payments of XXXX  each. Total of XXXX  was debited from my account by this company and never forwarded to Federal government therefore nothing was deducted from my student loan. I spoke with XXXX XXXX and XXXX XXXX. Today I spoke with XXXX XXXX # XXXX. He told me the XXXX  fees were for enrollment and then the XXXX  monthly payments were for the loan. He then hung up on me when I asked where the money was going. 
I have called and emailed this company numerous times. They either ignore my calls and emails or hang up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SD

Complaint narrative:
Our Mortgage company has failed to make the tax payment for the year and we are getting late notices from the county with interest. We have reached out to the company a few times and they have not fixed the issue. They bought our mortgage a few months ago and have been extremely difficult to deal with.

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 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, as I was getting ready for my wedding, I received a call from a number that came up Chase on caller ID. I answered it and a lady told me that she was from Chase. Presented me with her " credentials '' and claimed that someone gained access to my bank account and was sending money through XXXX. The lady had my full name, address and Social security number. Being it was my wedding I wanted to get this straightened up since I was leaving for my Honeymoon the next day. The lady walked me through the process of unenrolling from XXXX. I filled out my name and number and all that. By the end of the call the lady drained my bank account to XXXX. I had a lot on my mind so I was just trying to get this taken care of. After I realized what happened I called Chase immediately and filed a claim with them. They said the investigation would take up to ten business day, no credit or anything from Chase. The ten days went by and I have yet to see the money from Chase. So I called on the XX/XX/21 which was the XXXX business day and after waiting on hold for an hour and being transferred around a couple of times they told me that they denied the claim. I didn't agree with this so I asked to talk to an account manager. I went through the whole thing again that I explained to them two weeks prior and she told me that they filed the claim as Fraud and not as a scam. They resubmitted the claim on XX/XX/21 and it was another ten business day wait. I called on the XXXX day ( XX/XX/21 ) just to get an update and the guy on the phone said that XXXX was going to send the money back by the XX/XX/XXXX. That day came and went so I called Chase on the XXXX business day ( XX/XX/21 ) to see what was going on and they told me that the claim was denied and the only thing they could do was suspend the XXXX user that my {$1000.00} went to but I would not be getting reimbursed for anything. It has been a month since this happened and I haven't gotten a XX/XX/XXXX back from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am a victim of identity theft and have filed all necessary documents of proof however the credit collection agency is still reporting derogatory information to my XXXX File which is damaging my credibility for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC

Complaint narrative:
I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call. 

There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Fedloan Servicing Account # XXXX XXXX XXXX Loan 1 Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$11000.00} Loan 2 Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$3100.00} I am a XX/XX/XXXXwith the XXXX XXXXXX/XX/XXXX in XXXX XXXX , NJ . I was told by my loan service company that I qualified for the teacher loan forgiveness program and the public service loan forgiveness program as a XXXX  working with XXXX XXXX XXXX XXXX XXXX. After 5 years of working as a XXXX  XX/XX/XXXX, I was told by the service company that I could apply for the teacher loan forgiveness, and then after 5 more years of working, I could apply for the PSLF and have all my loans forgiven. I was advised to make my payments on time which I did. I followed their advice and after five years of working received XXXX in forgiveness from the teacher loan program. After 5 more years ( XX/XX/XXXX ) of working, I submit my PSLF application to certify employment and all my payments credited as I was told I would. After checking my account online and reviewing my payments, they had noted that I was in a payment plan that did not qualify and to add insult to injury that since I had received the XXXX in teacher loan forgiveness that those 5 years did not qualify. I now basically had no payments that qualify. This is beyond deceitful, malicious and I don't even know what else to call it. I was lied to and given inaccurate information. If I would have been accurately advised, I would have been enrolled in a payment plan that would qualify me for PSLF. Furthermore, I would have not applied for the teacher loan forgiveness plan if it would have only granted me XXXX of loan forgiveness and set me back 5 additional years of payments to reach the 10 years ' worth of payments to qualify for PSLF. I would have only applied for the PSLF forgiveness. I am sure they misinform student borrowers on purpose so that their loans are not forgiven and they can keep making money for servicing these loans. I tried to speak to a representative of the loan company to resolve this issue with no success. I don't want the teacher loan forgiveness XXXX initiative. They could add those XXXX back to my loan account. I am so disgusted by this process and malicious intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX at XXXX XXXX ( PST ) I requested a loan from Affirm.com to cover the cost of dental aligners, in the amount of {$1800.00} provided by the online company XXXX. 

On XXXX XXXX I contacted Affirm.com and XXXX to cancel the Affirm.com loan. 

However, on XXXX XXXX, both Affirm.com and XXXX ignored my request and continued to push through the purchase despite my XXXX day cancellation. I have not received any merchandise. However, I have received an email from Affirm.com which acknowledges my rescission of the loan within the XXXX days allowed. However, the merchant did not respond to either their request or mines. Both, Affirm.com and the XXXX provide conflicting information and continue to delay cancellation, despite no receipt of merchandise. After, several long and exhausting phone calls to Affirm.com customer care I have been given the run around, and they are still engaging in ongoing " bait and switch '' of information. 

In accordance with Affirm.com all phone calls made to the companies have been recorded with all parties acknowledging such recordings. These files are also available for your review. 

In light of the above information, I am requesting your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2021, at XXXX EDT I tried to make a cash deposit for {$4600.00} to my Bank of America account at my Bank of America branch in XXXX NJ, located on XXXX XXXX XXXX. Since the teller was busy, I tried to deposit my money at the ATM machine located within the bank premises, the ATM machine number is XXXX. 
After taking {$4600.00} the ATM displayed a message stating that {$4600.00} was deposited into my account but instead of a receipt for my transaction, I received a paper slip that says, We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I immediately informed the bank employee in person and was told that they could not help me and that I had to contact the electronic claims team. After contacting the electronic claims team, I was informed that they would start investigations after 2 business days and if approved, a credit amount would be sent within 10 business days. I have been told it would take up to 45 business days for the issue to be solved.

This is absurd and unacceptable to me as the {$4600.00} that is now missing was for my college tuition and funds for travelling for XXXX. I have no money right now to pay for either my tuition or for travelling back home. 
Plus, the security camera footage at the branch of me making the deposit at the specified time XXXX hours EDT on XX/XX/2021 serves as further proof.

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 monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I purchased my home in XXXX for {$360000.00} with a {$80000.00} down payment.in XXXX I fell behind four payments from XXXX to XXXX I received a offer for modification from XXXX XXXX XXXX bank to begin on XXXX through XXXX in the amount of {$1900.00} I made the three trial payments. In XX/XX/XXXX my loan was transferred to sps inc. I continued to pay when in XXXX of XXXX I made my payment and was informed it would be applied to an XXXX missed payment I explained I missed no payments and sent the proof of the payment then I was told I was 3payments behind XXXX, XXXX, XXXX of XXXX I sent the proof of those payments and began to receive foreclosure notices.I have attempted to come to a resolution with no luck I even got help from XXXX and I placed the home forsale in XXXX when sps inc ask me to remove the home from the market so they could assist me in keeping my home since I applied for 3 modifications all where denied. And I would like to reinstate the loan sps refused to negotiate the reinstatement Im not asking for anything free Im willing to pay a monthly payment till we reach a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation