vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXXXXXX XXXX XXXXXXXX, I received a phone call from chase bank alerting me that a wire transfer for a large sum seemed unusual activity for my account was initiated. They asked me to confirm if that was me and I said NO, it wasnt me. Chase Bank asked me personal information regarding my account and I immediately asked to speak to a supervisor for clarity. They transferred me to a supervisor. The phone number matched the same phone number on the back of my Chase Bank Card so I was not immediately suspicious, as I thought I was speaking with my bank. I was directed to take steps to reverse the wire transfer. During this time a wire transfer in the amount of XXXX was taken out of my account. I called Chase Bank right away and was directed to fraud protection, they advised me to recall the wire transfer. So I did as directed. The representative for the bank told me I was not to worry and I would be in the clear stating the transaction was still pending and these transfers take XXXX. to process. At this time it was XXXX Friday and the local branches were closed. I called the follow up phone number included on a Chase email confirming the fraudulent wire and I was put on hold for 50minutes before trying desperately to intercept my money. First thing Saturday morning, XX/XX/XXXX, I went into Chase bank and filed a claim, I also filed a local police report. I had no support from chase regarding this matter all weekend. By the time chase initiated a recall or a reverse on the wire, the fraudsters were long gone with the my money. Chase also did not call me to verify this unusual transfer when it was pending, someone, other than me called Chase and told them my private information and they passed these so called high risk security questions. Chase themselves were scammed into thinking it was me. Chase did not call me directly for me to verify an unusual wire transfer, never. They haphazardly accepted a security call in from someone that was absolutely not me, and not from the primary phone number to process this fraudulent wire transfer. Unacceptable/unreliable verification procedures on Chase Banks behalf has allowed criminals to get away with over {$20000.00} of my hard earned money. They have a recording of the fraudulent persons whom pretended to be me and passed my security questions in real time to a Chase Bank representative as they authorized the fraudulent transfer. When I asked for those records they refused and basically told me that I allowed this to happen and that I benefited from this fraudulent activity. Statement from Chase : " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). '' Chase Bank takes zero accountability and puts all the blame on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XX/XX/2022, I XXXX transferred {$2000.00} to a scammer connected to a XXXX XXXX Bank. My Bank of America recently told me that they would not be able to dispute this transaction. 
The scammer pretended to be a landlord for a 1 bedroom apartment in the XXXX XXXX area of XXXX, XXXX Our communications have been through email, and the scammer pretended to list their " apartment '' on XXXX. XXXX told me the numerous red flags of the situation, confirming that it was a scam.

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 2022-03-19 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: TX

Complaint narrative:
XX/XX/XXXX Fraudulent use of my XXXX  XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with XXXX. Assured that XXXX  XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX XXXX  Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee XXXX  XXXX Mastercard reverses fraudulent charges BUT XXXX  reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to XXXX  XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with XXXX  XXXX Mastercard to Transunion and awaits response.

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 2022-03-19 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: CA

Complaint narrative:
I was using cash app to send a payment to someone and the kept canceling my transaction when I asked them why they gave me some scripted spiel that really didn't pertain and when I check my account that payment was originating from it didn't show the transaction canceled or the money back in my account now every other time they cancelled the transaction the money was reflected back in my account instantly but this last time it didn't when I told cash app of the miscommunication they gave me some scripted spill again and so then I waited to just verify that nothing had changed on my account and and it didn't so I let them know again that I never received the money back my bank has no record of the canceled transaction that the payment was sent through and they kept saying the same thing over and over they're just basically defrauding me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: PA

Complaint narrative:
Credit report shows {$600.00} collections thats been on my report for XXXX years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through Trans Union and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them

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 2022-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Last month I had XXXX dollars in fraud on my direct express card ( the card I get my social security benefits on ). Somebody bought XXXX dollars in XXXX gift cards on my account.. They gave me a credit and then last night took the XXXX out of my account and told me they are not responsible and are not gon na pay me back for this fraud. I am a XXXX single mother with a XXXX son and i need that money to pay my rent. It was very obviously fraud. My XXXX app account is now under some weird name and I have had alot of fraud lately on all my accounts. Please help I don't know what to do. We need this money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NY

Complaint narrative:
My card was stolen they provided me provisional credit and a letter stating that the provisional credit check could be removed if dispute not found in my favor but prior to doing so as the XXXX required they are to tell me in writing of their findings then removing the provisional credit there yet to conclude the investigation but remove the provisional credit without providing me in writing that they were doing cell and caused me hardship because I wasnt planning on this money being removed to the investigation was completed as they stated in their letter they would do so also I had a refund of {$410.00} that they can not account for or tell me where it went although the company that refund it showed me the money was sent and they refused to investigate every time I speak to a supervisor or somebody they say that they have the right to remove the provisional credit whenever they want without notifying me and that is incorrect and against the law also about the refund from XXXX for XXXX they just continue to ignore the fact that its missing and not give me any proper information as to where my money is an locked me out of the account and every time I call they just hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Levinbook Law Firm, P.C.
State: VA

Complaint narrative:
Several months ago, I went to an urgent care facility to take a XXXX test, which was required for work. I had asked the receptionist whether the test that was going to be administered was par with my insurance, and she is assured me that it was. Weeks later, I received a letter from sad establishment indicating that I had a bill in the amount of {$920.00} for the XXXX test that was taken. I was under the impression that XXXX  tests were covered by my insurance and that the testing facility that was used was par with my insurance, making it a free test. The creditor, XXXX XXXX lab was apparently, not par with my insurance and sort to charge me the above amount. They have since saw the help of legal aid by way of the The Levinbook Law Firm P.C. to collect on my supposed debt. I have told XXXX XXXX XXXX that I was unwilling to pay the debt because I was told that the insurance was par with their facility. So, I am still unwilling to pay any debt that is owed. I hope that you can help in this matter, as it has caused me great stress in my older age, and in my retirement. I have limited funds, and XXXX not in a position to pay close to {$1000.00} for a test that was supposed to be free. 

The date of service was XX/XX/2020. 

Persons to contact at the law firm are XXXX XXXX XXXX, and XXXX XXXX. They can be contacted at ( XXXX ) XXXX and toll free at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I'm disputing charges and requesting my Chase credit cards be closed. 
On XX/XX/XXXX, I received an email from Chase Credit Card stating that " your credit card ending ( XXXX ) statement is ready and the statement balance is {$40.00} and due date XX/XX/XXXX. As soon as I received this email, I called Chase and disputed the charges. I told the operator that I did not use this credit card since XXXX of XXXX due to many problems I had with Chase. If there are any charges, they are unauthorized charged. I asked the operator to close my account, but instead, the operator told me that he would send me another credit card. The problems started last year when chase stopped sending me the monthly statement by mail. Then, per Chase 's instruction, I opened an online account, but Chase blocked me from accessing my account soon after I opened it. I have no way to know who is charging me and why I'm being charged. If there are any charges on my Chase card ending XXXX, as alleged in the email, I dispute those charges and request them to be removed from my account. I also request this credit card ending XXXX be closed immediately. In addition, I request that my other credit card with Chase ending XXXX be closed as well. I appreciate your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XX/XX/2022 I mailed a dispute to Experian and to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX Notifying each party that this debt is not my debt, and I informed XXXX to produce a wet ink document to prove that I signed any agreement with them and they have yet to do so. I called experian to see if they had received my dispute letter they informed me that they received my dispute letter and they was investigating and the collection should be removed by the XXXX of XX/XX/2022. Well I noticed that XXXX is still on my credit report after a proper dispute was filed. 
XXXX seeking help to remove XXXX from my credit report this collection agency is having a negative affect on my financial life. 
I do not owe XXXX XXXX XXXX any money, nor have I entered into a binding contract with this Third Party 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 2022-03-19 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: OR

Complaint narrative:
Equifax has caused me severe problems. XXXX years ago I was denied credit from an error on their end. Now once again I have been denied credit. This time however is a severe breach of my privacy. I must find out how to press legal charges against this company. They continue to make errors on my credit report, and have caused me severe consequences. I must know how to force them to finally fix my credit report after over XXXX years of trying on my own. This agency has some of those complaints, yet this agency does nothing to help. Who can help me fight this company that seems to enjoy destroying my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
on XX/XX/2021 I made a call to Toyota Financial Services and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. Toyota placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to Toyota financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
I was with XXXX XXXX XXXXXXXX and in a forebearance that ended XX/XX/2021. I was in process of getting a XXXX XXXX flex modification when my loan was switched to a new servicer select portfolio servicing. I have not gotten any answers as to what happened to the flex modification I was supposed to need put in from this new servicer. They tried to put me in a repayment plan that is {$14.00} more than my total monthly income of {$1000.00}! All without me submitting any financial documents to them. I can afford my regular payment with an additional {$100.00} towards balance of unpaid payments, but not much more. Please help, I'm a single, XXXX woman on XXXX and do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
ServiceMac LLC has not paid any property taxes from my escrow upon an earlier transfer of my mortgage from XXXX ( who also failed to pay my city taxes ). The mortgager has however steadily increased my payments to address overages in the escrow account relevant to the property taxes. They are withholding the taxes from the mortgage payments as indicated in the escrow analysis and billing HOWEVER all of the information pertinent to property taxes is not consistent with the XXXX of XXXX 's tax assessors/collections office. The taxes are assigned and paid based on the parcel # XXXX, yet XXXX has come up with some absurd excuse stating that the taxes were misapplied by the City to a different property based on the name of that mortgagee. Again taxes are assessed and identified by parcel #, that said this Servicer and the one before it that they transferred the mortgage from are providing disingenuous accounting information on the billing and the projected escrow analysis as they are not even paying any of the taxes. I have asked for proof of remittance to the city however have not received it. I have however received notices of delinquencies from the city and a tax lien notification due to none disbursement of the amounts withheld in escrow. Now ServiceMac has the gall to tell me that my mortgage is being raised yet again for property taxes-that they arent even pay! Its as if I have an adjustable rate as the mortgage is steadily increasing without any confirmation that they servicer is distributing the funds as contractually agreed upon. I have also told them that they need to cross-check whatever they are quoting to me with the prior Servicer as they too have falsely reported remittance to the City of XXXX. Im reporting so that a regulator can track and check this servicer for fraud. I cant tell whether its incompetence or intentional but this servicer is miscommunicating and not following servicing rules.

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 2022-03-19 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: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXXXXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX bank account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights XXXX ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
XXXX ) XXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a Consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please refer to previous claim # XXXX, Case # XXXX. This case has been closed and it was suggested I contact the Merchant ( XXXX 's XXXX  ) which I did and I spoke to XXXX. We were charged {$290.00} for a take out order purchased on a square. XXXX gave me the following info 1. They don't use a square 2. They didn't generate the receipt or the invoice that BofA said was proof of the purchase 3. The time of the purchase was XXXX am. and they don't even open until XXXX am 4. This is the 3rd time a similar situation occurred with their establishment with nearly the identical receipt information ( menu items ) 5. She has no record of a charge in the amount of {$290.00} on XX/XX/2021 6 Now after completing further research I discovered the website they were using for evidence is fraudulent. 
Obviously, BofA is getting scammed and didn't really even investigate the claim thoroughly. I wonder who they contacted to get these falsified documents?

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