vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-18 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: NY

Complaint narrative:
on XX/XX/2019 chase did an unauthorized debit in the amount of {$3400.00} from my college tuition account at the time my account number was XXXX i have since change my account number, i have sent a notarized letter to the complaint dept of chase and i have visited the branched and spoke to a branch manager and was told that i would get a response as to how and why did they take it upon themselves to just take money out of my account. 
At no time did i ever authorized them to debt my account. 
I'm requesting the charge be refunded to my account immediately it has been over 2 months of me calling trying to rectify this and they are just ignoring me. my next step is to take this situation to litigation if they will not return my money to me so i can pay my college loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
An account was opened in my name for Bloomingdales credit card. I have no affiliation with this company. I received a bill with this company and contacted them but they said I would need to handle it through this website because the person that opened in my name has all my correct information.

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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18 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: MI

Complaint narrative:
Paid off entire balance of a XXXX XXXX Chase credit card in XX/XX/XXXX. This account had been cancelled and closed for over 180 days ( 6 months ) when in XX/XX/XXXX a  charge ( s ) for {$100.00} x 2 ( {$210.00} ) had been accepted by the Chase bank from a XXXX XXXX property. 
In XX/XX/XXXX I admittedly made a reservation by phone at XXXX but DID NOT use this non-existent card. When I failed to show up for the reservation the Hotel clearly looked up my rewards account and used the card on file to pay for the two rooms. 
Chase Bank should have immediately rejected this charge as the account had been closed and paid for over 6 months. 
I only found out about this unauthorized charge as I was notified of my credit score dropping nearly 80pts as a result of an unpaid credit card payment. 
XXXX has repeatedly stated it was my responsibility to have this card removed from any merchants files and they were not responsible for allowing the charge to go through even though it was full 6 months later after I had fully paid and cancelled the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Deceptive practices regarding Mortgage loan with XXXX XXXX & Ocwen Foreclosure ( no notification )  proceedings then transferred of mortgage to PHH Mortgage Company loan modification. 
I have uploaded a copy to CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XX/XX/2019 Call me at XXXX XXXX C.t. XXXX They would only say ( MCM ) Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my Cash App account ( $ XXXX ) was closed for unexplained reasons. I have {$170.00} balance. I've tried linking other bank accounts and sending the money to other people to withdraw the funds, and get messages saying a card can not be linked at this time. I've sent messages to Cash App Support and I get the same automated responses. Bummed that my account has been closed, but I simply want my {$170.00} out of it and I'll cut all ties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Two separate companies have attempted to collect a balance on the same debt. The debt originated from XXXX XXXX XXXX. They have also reopened the collections so it will stay on my report. My credit report says the debt started in XXXX, but in reality started in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My HOA foreclosed on my condo for nonpayment of HOA fee 's This was a 3rd position lien with Wells Fargo having the 1st and 2nd. I stopped paying them because they refused to fix a leak which lead to XXXX  XXXX XXXX and a 10 day stay in the hospital. But that is not important but what happened next is why I need your help. 

My Condo sold at auction on XX/XX/XXXX. 
Wells Fargo started reporting to the Credit Agencies Late payments After the sale of my condo. See Below. I have contacted Wells Fargo over 100 times and contacted every Government Agency and nobody will help me. 
I have not owned the condo since XX/XX/XXXX. I can not live in it, I can not rent it, I can not sell it e I no longer OWN it so why is Wells Fargo letting a person I do not know to use MY loan and access it as their own? The auction winner had to get information regarding my loan because they paid the exact amount in XX/XX/XXXX to keep the property from foreclosing and never paid on it again. 

The Auction Winner SOLD the Condo in XX/XX/XXXX and pay off the mortgage but the damage is already done. My credit went from XXXX to XXXX and I can't even rent a refrigerator box to put on the street. 

I have asked Wells Fargo to please send me : The messages that they deleted from my Wells Fargo Secure login in their site. Requested 7 times because this shows ALL the emails I sent them to resolve this issue. I was told " The new owner has a right to protect their asset '' REALLY? So they own it but I still have to pay the mortgage. 
I asked that they send my original contract last year. Still waiting I asked if I could give back the Condo that I had over {$100000.00} in equity in. They said NO I asked if they could foreclose on the Condo to stop the hemorrhage of my good credit. They said NO I have sent XXXX XXXX of Wells Fargo over 100 emails and she still will not answer this one question. 

Why did you start reporting late payments after my Condo was sold auction on XX/XX/XXXX, and allow a third person to access and abuse my loan with Wells Fargo? 
I started complaining when XXXX XXXX notified me that I missed a payment in XX/XX/XXXX. I believe the auction winner was supposed to secure financing and pay off the 1st and 2nd liens within the 90 days after the purchase. That would explain why they did not report the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They were waiting to be paid by the auction winner and when they were not Paid they came back on me and told me I still had to pay it.

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 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schachter Portnoy, L.L.C.
State: NY

Complaint narrative:
On or about XXXX a credit was taken out card through XXXX XXXX, I had made payments through Schacter Portnoy LLC, for quite a while ( yeah, I defaulted ) not my proudest moment, one day they had some issues with their system, they were in the process of changing things over with how this was all managed. I called to check on the status, they reflected the payments resolved. ( couldn't find the debt ) seemed like the same thing to me. So fast forward, to XX/XX/XXXX and I am in the middle of closing on a house, and I'm told a judgement needs to be dealt with. So, judgement, what judgement, my lawyer tells me its with XXXX XXXX XXXX, and I call them, they advice that all maters are through Schacter Portnoy LLC. ( XXXX, XXXX and XXXX ). I have been in the process of buying and selling homes for the last 2 years, and nothing has popped up during this process until now. So the date of rendering on the judgement is listed as XX/XX/XXXX but the date listed as the date of filing the judgement is listed as XX/XX/XXXX ... ... What is that all about, how is that even possible? So if all that isn't screwy enough, I did mange to speak to someone reluctantly at XXXX, they didn't want to talk to me about this at all. Yesterday they told me that the last date of payment on file was listed as XXXX, to the best of my knowledge this thing went away in XXXX, maybe XXXX on a stretch. I can tell you with absolute certainty that nothing has been payed as I didn't even know it still existed. Portnoy tells me that I owe them {$5100.00} but they will except {$4300.00} ( mighty nice of them ) but the debt listed on the Judgement ( in my hands now, as of this morning after many phone calls to the county ) is {$6300.00} plus XXXX in costs. {$6400.00}. This only came to light is I was closing on the sale of the house and this is holding it up. So if I pay it, I will never see that money again. If I screw with this to long, it can torpedo my sale. My current credit score is XXXX, I am not a guy that doesn't pay his bills, and why isn't this XXXX issue showing up on my credit, at all? Need your help, something is very very wrong with this whole thing. Oh, and did I mention that XXXX XXXX XXXX seat is in XXXX, where the house is. They judgement was filed in XXXX XXXX New York. The tittle search company also confirmed that this whole thing is shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 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: OH

Complaint narrative:
Because of the mismanagement, the lies, and the delay tricks by the management at J.P.Morgan/Chase in the ( CFPB ) complaint id XXXX, petitioner will start playing his own tricks. That this agency have let you culprits get away with doing anything you want, petitioner is requesting the sum of XXXX XXXX dollars ( that's with a capital " B '' ). I know you're not going to take me serious, and that's your first mistake. You and your corrupt system of justice is going to fall, and this is the stone that will bring you down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had received notice of an attempt to collect the debt in the past, but I've been unemployed for 2 years and my spouse had been unemployed for most of the last year, so I held on to the information. I reached out to the debt collector on XX/XX/XXXX through their contact portal. I specifically told them that I was currently employed and would like to negotiate a settlement since I was currently solvent through email. I received an immediate verification that they had received my request and would respond back, via email as requested, to my request. I've not heard a word and my request was to only receive email communication. Since I'm willing to negotiate a settlement, I figured they would want to work with me quickly, but this seems to not be the case. I also require debt verification at this point according to Texas debt collection laws, which I've not received. The Texas laws can be found on the Texas Attorney Generals website.

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 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Case reference : XXXX Wells Fargo Bank which I has been a customer since 2017 lied to me over the phone telling me every time I called a different story First they told me they need to verify a transaction sent to me by XXXX XXXX on XX/XX/XXXX for XXXX $ they needed documentation when I called again they told me they needed a notarized document signed by XXXX on the third call they told me they needed a Bank Letterhead from the sending bank. Finally I was able to sent the contract made before the sell was conducted they told me arbitrarily that it wasn't enough evidence. 

Also they told me that the only account that was gon na be closed was the affected one and them they are closing my whole relationship So I putting on this complain because every time I call a different story it's being told to me PRIVATE XXXX video of XXXX XXXX declaration XXXX : XXXXXXXX XXXX Also this was a private transaction that I made for me I needed to sell some BTC I own and I do it privately sometimes with all the due compliance and verification needed for a transaction this size. 

Who are you guys to decide what documentation is valid or no?

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 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX  card was XXXX   out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED  EVERYWHERE

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 2019-09-18 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: TX

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransUnion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-09-18 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: TX

Complaint narrative:
Equifax showing that I'm XXXX XXXX XXXX XXXX XXXX as in the fifth also requested to remove my freeze FTC new law saids they have a time frame it's been 3 weeks I'm sure it's not that long all FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have asked the company to lower my 29.99 % interest rate. I pay on time and I have

a high credit score. I can never pay down this balance with this high rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On XX/XX/2019, I bought tickets from an individual through PayPal. The individual informed me to pay by using friends and family. The scammer never sent me tickets nor did they offer a refund when I asked. The scammer also was aware of the friends and family versus goods and services as I am not. I paid {$250.00} to the individual for 2 tickets. I tried to cancel the transaction on PayPal after realizing the  tickets was not real, I filed a dispute and it was denied the next day. When I contacted PayPal they said I must wait until it is not pending anymore then contact the bank. When contacting the bank, they rerouted me to PayPal and said that there must be some sort of consumer protection and they would have to be the ones to do the refund since it was paid through there site. PayPal has been no help and every time I call they give me the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a collection notice from MCM on a credit with XXXX, account # XXXX and Midland Credit Management account # XXXX. The amount is {$620.00} and they offered me a settlement for {$370.00}. I have contacted them several times online and by phone to pay the settlement they offered me but they said they can not get my account and that I need to wait some time, at least one week more to get called about the debt. I explained them I need to fix my credit report but they said they can not do anything about it. The Phone #  they give me is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have contacted the company and ask for my 26.99 % interest rate to be reduced. I pay on time and have a good credit score. 

I can not pay down the balance with this abnormally high rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation