vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: VA

Complaint narrative:
I emailed you and advised you I do not know who you are or what this debt is you claim i owe you. 

Without contacting me you reported a collection to the credit bureau 's intentionally harming my credit like the cowards you are. 

I will not pay one red cent. According to your address it says you are based in California. Well I HAVE NEVER LIVED in CA, so how could i owe you almost {$5000.00}?! You see how you never can produce a signed contract when I dispute the bureaus? 

You have the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Saturday XX/XX/XXXX I deposited XXXX dollars onto my chime prepaid card. I used XXXX dollars for a XXXX than put another XXXX dollars on the chime card and caught another XXXX to where I had to pay my rent. Upon trying to withdraw money, I was iMmediately logged out from my chime account and told that my account was closed due to security reasons they couldnt disclose. Ive sent many emails to the support team being as though thats the only way to contact them. This was my very first time using my chime prepaid card and they are telling me they have to investigate the XXXX dollars thats on the account. Theyre not telling me anything about compensation and I desperately need help I am not rich. That money was part of my rent money and Im looking to sue for emotional distress as well as theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FL

Complaint narrative:
I have submitted numerous disputes, and no investigation has been performed. only offer from reporting company is to contract privately through their sites and different channels of dispute. I will keep re-opening my dispute until I am satisfied with investigation. I also have other agencies review for liability. My question can Experian show me the L.A.W./Statue that invalidates my electronic statements as proof of my address?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have violated my rights under both Section 609 ( a ) ( 1 ) ( A ) AND Section 611 ( 5 ) ( A ). I wrote to you multiple times LAST YEAR and AGAIN this year and requested you stop reporting XXXX XXXX XXXX and XXXX  XXXX XXXX for FCRA non-compliance of inaccurate data listed on my credit report. Yet the accounts remain on my credit report STILL REPORTING inaccurate data!

You said you verified the disputed information as accurate. In actuality you failed to do a thorough investigation AT ALL because you profit off of these errors. 

These facts prove you didnt investigate XXXX XXXX XXXX ; 1. Date last updated says XX/XX/XXXX but I disputed this XX/XX/XXXX XXXX. Past due reporting on a collection account, this is a violation 3. Late payments/payment activity reporting on a collection account this is a violation You clearly didnt investigate XXXX  XXXX XXXX either. Multiple inconsistencies are being reported. Different last payment dates, different dates of last active. This is a clear violation. Yet you claim you verified these accounts as being accurate?! These accounts must be removed for non compliance. You cant verify violations as accurate 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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I called XXXX XXXX XXXX XXXX Fraud department and was on hold for 3 hours, and they never answered. I ended up speaking to a general customer service rep, who told me that Fraud dept would call me back same day. It's now 3 days later and I've heard nothing and once again can not get through to the Fraud department. 
I went into the store as well and all they did was give me the same fraud phone number that I had been on hold for 3 hours with. 
I have filed a police report, but can not get XXXX XXXX XXXX XXXX to help me resolve this. The criminal apparently bought opened a account in my name as well as other things that keep popping upon my XXXX  report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but still I see no changes. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint is servicing a 2nd mortgage on my home. I currently owe a balance of {$12000.00}. I have provided Shellpoint with flood insurance in the amount of {$21000.00}, I received a letter dated XX/XX/20 requesting that I purchase an additional {$4000.00}, worth of flood insurance and are threatening to purchase insurance in my name at the cost of {$230.00}. They have no right to do this as the balance of my loan is only {$12000.00}.. I am a senior citizen and I feel they are taking advantage of me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MO

Complaint narrative:
I called AmeriSave Mortgage on or about XX/XX/2020 about a refi, I was assured based on the information I provided it could be done. I have several complaints, no communication, a total change in all the loan numbers, and the appraisal of XXXX that I paid for immediately via credit card, as the loan officer said " he would give me the XXXX bucks back if it didn't go through ''. I owe XXXX on my existing loan and wanted XXXX cash out if possible. The home appraised for XXXX. The next thing I knew I had a request via email, as that is the only way they communicate to send in signed Borrowers certification and Authorization to Release Loan Information. Stating I am applying for a loan of XXXX!!!! When I went in to their document section I noticed my rate had gone from 2.75 to 3 %, my cash out went to XXXX yet I now would owe more than XXXX than I do now on my home. I have called my loan officer non-stop since XX/XX/XXXX and not ONCE has he taken or returned my calls. I went to his manager, it took 3 days and I received an email response at XXXX and a brief follow up message saying my house appraised at XXXX, that explains NOTHING. I have yet to reach him again or get an additional call back, or response to my additional emails. The original intent of this refi was to get a little cash and lower my current payment which was exactly how it began, until I was in the middle of the process then all the numbers arbitrarily changed with NO explanation or communication whatsoever, I don't know how this can or should be LEGAL. Thank you for your assistance XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: TN

Complaint narrative:
Im the seller and Im filing this complaint due to the unprofessional handling of the buyers information. During our process I understand that closing get push back sometimes but when the lender reaches out to the seller and disclose personal information about the buyer theres a problem. The lender has discussed sensitive financial information about the buyer and requested another extension. The lender kept in contact with over text and they still failed to preform closing with no communication with the title company or buyer but relaying message with the seller by text. Due to the disclosure of personal information of the buyer I feel it violate there privacy. The time I spent communicating back in forth with the lender has put both parties in a tough position. The buyer now needs to forfeit there escrow and seller needs to start there process over. Now I used to be a XXXX XXXX for over 7 and half yours. Passing others personal financial information isnt ethical. If you need contact information or text messages please reach out but this is not a good practice. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
After having a youth savings account for 10 years or more, USAA decided we needed a signature card. The online banking system said we could do it electronically, but after walking through it with a representative on the phone it would not work. They sent us a paper form, that we filled out and returned. USAA closed the account without notification ( that we received ). I went into online banking and noticed the account was missing, so I started with the online chat. They could not help and asked me to call. I called in, and after an hour on the phone, they told me my form was received, but the account had been closed on XXXX. This week, I have asked 3 times for a manager call back, was advised they would call within 24-48 hours, and no one has called me back. In the meantime, the money we had in an interest bearing account is nowhere to be found, and this is day 10 since the account closed. 

I am attaching the transcripts of my chat conversations, the last chat I had with them this morning has not posted to my documents yet, but I will send it if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my checking account was debited for {$260.00}, I contacted TDBANK the same day and advised this transaction was already debited and not authorized by XXXX since they received payment on XX/XX/XXXX. I requested a temporary credit because I knew I had scheduled payments that would be causing my account to overdraft further. Between XX/XX/XXXX and XX/XX/XXXX I received over {$490.00} worth of overdraft fees from the bank. 
I called and tried to explain the issue to the customer service manager XXXX on XX/XX/XXXX but was given the most unneccesary feedback. Instead of obliging to their policy of putting the customers first and going above and beyond she went on to criticize the transactions that were passing through. 
I am a mother of XXXX who has struggled to make ends meet during this pandemic, every dollar that passes through my account is accounted for and budgeted. I would've hoped when an unauthorized transaction passed through the account my bank would have my back to ensure I get back on track. Instead I am robbed with fees and chasitzed for trying to stay afloat during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I put my son in XXXX XXXX and they have charged me for a full month when it should only have been half. The charge was {$660.00} made on XXXX. It should have been only {$340.00} and they should give me back {$320.00}. Talk to them and although they admit the problem they do nothing to return my money. They promise to make me a check but they tell me there is no date to give it to me. It's already been 2 months. Being honest with you, it is clear that there is no intention of giving me back my money and they are waiting for me to get tired of claiming. 

I have contacted the WELLS FARGO bank with a dispute and they rejected it with the excuse that XXXX XXXX promises to make a credit but I was very clear with them that I did not need credit because my son will no longer go there. My son said they XXXX XXXX to make him put on the mask. My son has XXXX to go there. 

Due to the bank 's refusal to give me my money, I have had to turn to you. 

Keep in mind that what I am claiming is far below what they should actually return to me since the actual amount should be about {$1500.00} because they charged me for two months without my son going there and I am only claiming {$320.00}. 

I have attached an image with a red square to show the amount in dispute. 

Companies involved : WELLS FARGO XXXX XXXX XXXX Best regards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: FL

Complaint narrative:
I have done business with Ace XXXX for over 10 yrs and never had such unfair practices and delaysXXXX Ace recently suspended my account my XXXX  loan back in XXXX. This action was very bizarre because back in XXXX, Ace had me re verify my identity for the same loan and open a business account. Nevertheless 5 months later my account was suspended again. I request my account to be closed. At the time there were 2 pending transactions that I had to wait to clear. Once resolved I contacted them to close my account they stated it will be closed and a fee of {$15.00} will be charged to issue my check. I accessed my account the next day and still not closed. I contact them and was told I need to verify before closing. I stated this was a delayed attempt to keep my funds since my deposit was from XXXX XXXX my employer since I am a XXXX  XXXX and the XXXX  I received was in XXXX. If the verification was not sufficient why was I able to use my account the last 5 months. Why I am getting the run around in order to close my account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Fraudulent transaction, accepted forged signature by Visa and Chase for over-chage I hired a company to move his belongings from XXXX, New York to XXXX, New York. I was given to a quote that the move would cost {$1500.00}. 
I agreed to pay a deposit of {$100.00}, plus {$690.00} on the first day of the move ( XX/XX/2019 ) and {$790.00} upon delivery ( XX/XX/2019 ). Upon delivery, companys rep requested that that I sign authorization for payments of {$100.00}, {$690.00} and {$4900.00}. I refused to sign for the {$4900.00}, as I have not agreed with it. I signed for the {$100.00} payment and attempted to sign for the {$690.00} as these were payments that he had agreed to pay. 
On XX/XX/2019, my credit card was charged the sum of {$4900.00}. My signature was forged and both Visa and Visa Chase accepted that. I was far from the place and the time of the purported fraudulent signature to the agreement. The company is located in XXXX, XXXX XXXX, XXXX XXXX. My residence at that time, on XX/XX/2019 ) was in XXXX, NY. That is 260 miles distance ), which my employer, the XXXX School District attested to ). 

During the dispute process, VISA stated that it was within Chase 's policy to accept an unauthorized transaction in this case, and Chase states that this is Visa 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I opened the account in XXXX of XXXX. The first time i used the account was in XX/XX/XXXX. The purchase was {$110.00}. I never received a bill. In XX/XX/XXXX the bill finally came only it had increased to {$340.00}. I called the company and they agreed that I pay the XXXX plus XXXX in interest. I did. In XXXX I received a billl for more interest. I called again. They told me they removed it. In XXXX I received another bill with more interest. I called again feeling it was resolved. In XXXX the same thing and in XXXX I told them to cancel the account. It is now XXXX. I have received another bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
I submitted a {$19000.00} Insurance Check to First Bank Florida located at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, FL XXXX on Thursday XX/XX/2020 at XXXX. The Bank agent kept me waiting for an hour and was unable to give me proof of deposit. I called the Bank 3 days later and the person who answered the phone looked at my account and did not see a deposit for {$19000.00}. I waited on hold 15 minutes to speak to the XXXXranch Manager who said the check was being transferred to a branch 5 miles a way and still in transit. I asked him why it would take 3 days to transfer a check 3 miles and I asked why the check was not showing as a DEPOSIT ON HOLD and he could not provide an explanation. Six business days later the check still does not show as being deposited into my account and when I call the Branch no one can tell me where the check is or why it is not showing as DEPOSIT ON HOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: NC

Complaint narrative:
On XX/XX/2020 I opened a checking account with Charles Schwab XXXX XXXX XXXX XXXX. Both Checking and Brokerage accounts were immediately approved and opened, I was able to access them online. On XX/XX/2020, I received a letter in the mail stating that my account has been closed as it " Doesn't meet Schwab 's business guidelines. 

My credit score is excellent and I don't have any negative remarks on any type of credit bureaus ( XXXX XXXX XXXX, XXXX ... etc ). I had a Checking and Brokerage accounts with Charles Schwab in the past, I had them for years, that was also closed without an explanation. I used that account for daily debit card purchases. All other transactions were Bank to Bank XXXX, No cash or money orders were deposited in that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I Purchased this vehicle XX/XX/2017, The balance was XXXX at the beginning of the loan in 2017. The Balance is currently XXXX. I have paid over XXXX in interest alone with only {$700.00} going towards principle. I have asked to have my interest rate lowered or attempted to refinance and the car is under water so no lender wants to help. Capital One is also refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was sued by Portfolio Recovery Associates, LLC for a credit card balance I didn't create.

The attorney for Portfolio Recovery Associates, LLC voluntarily dismissed the case in XX/XX/2020. I waited 90 days for this fraud item to be removed from all of my credit profiles. 
I have emailed the attorney for Portfolio Recovery Associates, LLC requesting documentation that their client actually requested this item be removed from my credit profiles. I was told to continue to be patient. This inaccurate reporting has adversely effected my credit. I do not believe Portfolio Recovery Associates ever made the request to delete this item from my credit profile. If so, they would provide me with the proof as I have requested in writing.

Company response to consumer: Closed with explanation