vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was lead to believe that I was going to create my own landscaping business with a business that was being advertised on XXXX called " XXXX in XXXX. '' The people I spoke to made it seem realistic with all the information they spoke and the forms they asked for, they even walked me through the process for filing these forms that included sensitive information about my person. 
Throughout XX/XX/XXXX XXXX XXXX they asked for my social security number, my address and about {$5000.00} in checks to be sent to them for liability/disability insurance for my " company. '' In three different amounts that added up to the {$5000.00}, I sent the checks from 3 bank branches ( Chase, XXXX XXXX, and XXXX  XXXX XXXX ) to these people that where promising my XXXX  business. Once the money was sent and the business partners received it, they were no where to be found in regards to cell phone calls, text messages, and in person interactions. I never had a chance to see these people face to face or XXXX, it was always through phone call or message before they stole my money. 
Immediately I frantically called all three banks to tell them what has happened and if they could help me but none of them did. I bank with Chase and they either never answer or deny to help. XXXX XXXX says since I am not a XXXX XXXX banker, there is nothing they can do to help me either, the same goes for the response XXXX XXXX XXXX. After many attempts of trying to get their help, they show no interest for my situation and how they sound through the phone is even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I am writing in regard to {$430.00} assessed by the loan servicer Fay Servicing. In their response they state " After conducting a reasonable review, the {$430.00} in was incurred during the XXXX foreclosure process and are recoverable corporate advance expenses carried over from the previous servicer. '' I dispute this amount based on the terms of mortgage modification agreement with the previous loan servicer ( XXXX XXXX XXXX ) that agreed to waive all charges and penalties if I completed the terms of the mortgage modification. This was confirmed with phone calls to XXXX and my attorneys. This charge never showed up until the loan was transferred from XXXX to Fay. I am including all documents supporting this including correspondence from XXXX and my attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX- XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My loan was sold to PHH sometime in XXXX of this year with the first payment due XX/XX/2020. However they failed to pay my property taxes which was due XX/XX/2020 out of my impound account like it always has been with each previous lender I have worked with. I currently have an impound account setup with PHH and can see that they are going to make the next payment XXXX of this year. I am getting no where with them. They asked me to provide the delinquent bill that I got form the county which I did and they still arent providing any support. The county now wants a 10 % late fee on top of the regular bill. I can not get PHH customer service to even understand what I am asking for let alone someone to help with the situation. 

They just keep telling me the paid {$870.00} which that does show on my online account but the county has no record of that not to mention my property taxes are {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
Kay Jeweler XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
Credit bureau of Farmington has been calling me repeatedly from auto dialer with the automated message. this incident has occurred several times four times in the month of XXXX alone XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have already filed a police report for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am putting to use the typical 1 hour+ hold I am currently sitting on with Chase 's customer service to request assistance with a refund for services not provided. 

On XX/XX/XXXX I purchased a flight from XXXX to XXXX using the Chase Travel Portal and a Chase Sapphire Reserve Credit Card. The date of the departing flight was XX/XX/XXXX and the date of the return flight was XX/XX/XXXX. The flights were booked by Chase Travel on the airline XXXX. I purchased the tickets using the mentioned credit card and accrued credit card points. The charge on the credit card was paid off almost immediately. 

The purchased flight was cancelled by XXXX due to COVID19, and further legal travel restrictions placed by XXXX and the State of Michigan ( my residence ) prevented me from taking the flight had it not been cancelled. 

I spoke with the Chase Travel customer service on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As well as several attempts during and after that time in which after hours on hold my call was disconnected without ever speaking to a Chase representative. I was informed that they were processing the request for a refund in the form of original payment, but that they were waiting for the funds to be returned from XXXX. It was recommended I reach out to XXXX to attempt to move the process along. I also called XXXX on multiple occasions, but was repeatedly informed they were required to work with Chase because Chase had purchased the tickets. I have now given both companies several months to process this refund with no progress. 

I purchased a service from Chase Travel utilizing a Chase Credit Card and the service was not provided. While I am empathetic XXXX is not providing refunds in violation of the law, I did exchange goods for service with XXXX. I strongly feel that Chase would have resolved this case in a timely manner had I purchased the tickets through any other travel provider than their own. I believe they do not want to issue a charge back against themselves. 

I am immediately requesting that the charge on my credit card for this purchase be reversed and the points be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.

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 2020-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have been continuously trying to work with Wells Fargo and they have never tried to help me. Their excuse was that they never spoke to me but that is a lie. 

I now have a counselor that is helping me save my home and they continue to delay my review! I have told them several times that I want a modification. I am veteran that is trying to save his house but I am not getting the help from Wells Fargo.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In XXXX I had XXXX  XXXX and I was unable to work. The pain was so severe I had to move out of my apartment. I received a bill from XXXX XXXX XXXX XXXX XXXX XXXX and I disputed it directly with the XXXX. To this date, they never provided a breakdown or made corrections to their bill and forwarded the alleged outstanding balance to a debt collector, ONLINE INFORMATION SERVICES # XXXX, {$670.00} alleged amount owed. I am now trying to buy a home and this account is damaging my credit score. My loan originator and I called the debt collector today, XX/XX/XXXX and informed them that I was buying a home and they were reporting an alleged debt that I disputed already with XXXX. I spoke to XXXX, Account Manager for ONLINE INFORMATION SERVICES. My loan officer informed her that they were affecting the interest rate I would receive by reporting an inaccurate account on my credit report. They refused to delete it even though they could not confirm the veracity of the alleged amount owed because they are a third party and did not provide to me any credit or utilities. This is going to make me pay a higher rate and have to pay more at the closing table for the rate. I don't owe this money and the debt collector has no right to report on my credit report because ONLINE INFORMATION SERVICES is not a creditor. They admitted as much in the call and they also admitted that they can not allege the amount owed because they are not the creditor. I do not owe this money and ONLINE INFORMATION SERVICES is trying to extort money from me by reporting an inaccurate account to the credit bureaus. If they have done this to me, they are doing it to others. XXXX stated that they would respond to a complaint by my attorney, which could take years in litigation. I have already disputed this amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I enrolled to transunionplus.com for credit disputes and my credit score.when I got into the credit report my 2 disputes in the trans union credit report were deleted.Well, XXXX was but XXXX wasn't or if it was it was immediately put back on my credit report at trans union.I  selected by mistake a option 3d for 3 bureau scores on transunionplus.gov combined into 1 score from all 3 credit reporting agencies.sorry, transunion is only supposed to provide a score from their trans union.bad software trickery window there.so my score was XXXX and after the 3d score option my score went to XXXX? that means the end for me.my XXXX per month.fee for joining trans union flushed down the toilet.Eh.3 combined. Credit bureaus making a total of the scores of all 3 credit reporting agencies divided by 3.

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
PATIENT : XXXX XXXX PROVIDER : XXXX XXXX XXXX Collection : HARVEST ASSOCIATES I, XXXX XXXX, XXXX, TX XXXX ( XXXX : XXXX XXXX ) Emergency SERVICE DATE : XX/XX/XXXX XXXX XXXX of Texas CLAIM # : XXXX I went to XXXX XXXX XXXX at XXXX, TX on XX/XX/XXXX and was treated by XXXX XXXX . I gave all insurance and contact information to the staff. I only received one bill  from the hospital and paid in full when I received the bill. It is in XXXX, XXXX, when checking my credit report, I noticed there is a collection of {$1400.00} against me. I called the hospital and was told it is from the doctor, not from them. I had not and have not received any bills from the doctor and the collection. So, I called the the collection, and according to them, the doctor did not get my contact and insurance information from the hospital and thus gave the debt to them. They admitted that neither the doctor nor the collection have ever contacted me about the bill because they don't have my contact information. I told the lady it was not my fault because I gave the information to the hospital and they had my information and sent me the bill and the insurance claim for their part. It is the doctor 's and the hospital 's responsibility communicate the information correctly and timely. It is unfair to penalize the consumer by putting this directly to the collection and to the credit report, negatively impacting my life. I also gave her the correct address and the correct insurance information. She promised the collection record would be removed from my credit report after the insurance paid. However, after they successfully claimed the insurance on XX/XX/XXXX, the collection record is still on my report showing a smaller amount due. Fine, if it is something I owe I will pay, but until today I have not received anything in the mail from them. It is very unethical that they did not do what they promised, which is not my fault from the very start to the end anyway, and did not communicate anything once they have got the money. I called their number, but could not reach them this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2016 {$1000.00} This account is an result of identity theft. I don't have any kownledge of this company

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 2020-06-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
They will not remove a debt which is not mine. It is my adult brother. I assume they tried to Go after my father for the debt and they decided to use me because the other XXXX XXXX ( my father ) is dead. Real nice business practice. Pin a debt on someone cuz their father is dead. Say what you want but Im Only XXXX XXXX XXXX my brother. How you could think Im responsible or the father for this debt is complete absurdity. You guys are ruining my life!

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 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Diagnosed with XXXX on XX/XX/XXXX and out of work since the Massachusetts XX/XX/XXXX shut down. I notified my mortgage company of my situation in mid XXXX and asked for relief on the following months ahead. I was explained how they would not report any late payments to the credit bureau and couldn't help me because im current on my payment. I called back on XX/XX/XXXX and they told me that i was not on that program and I had to call again to have it put in place, but there was nothing they could do because i was current on my payment. i got the stimulus check and payed XXXX mortgage. I called XX/XX/XXXX to talk about how i could not make XXXX payment, again i was told there is nothing they can do because im current. I then called on XX/XX/XXXX, and I am now late with my payment. I was then told they would send me a letter with my relief options in the mail, in about 7-10 business days. i received my tax return back and payed XXXX late. its now XX/XX/XXXX and i haven't received any letters from them. So i called and explained the back story and now they told me that there is nothing they can do because im current on my payments and no letter was sent out and that there are no relief options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I identified an unknown charge of {$21.00} to XXXX of my credit cards, under the name " TransUnion. '' I then noticed that this charge had been occurring every month since XXXX, XXXX. On Friday, XX/XX/XXXX, I called the XXXX number associated with that charge in the credit card statement and asked the representative what those charges were for. The company alleges I signed up for a credit monitoring service in XXXX of XXXX. I do not recall ever signing up for this service, nor have I ever used this service. During the call, I asked the company to immediately cancel this " service, '' which the representative agreed to do ( attached is the cancellation confirmation ). After a thorough search of my e-mail and paper receipts, I could not find any records of an agreement or enrollment ( attached is a screenshot of the results of searching " 'transunion XXXX credit monitoring '' on my XXXX XXXX. I believe I was deceived into enrolling or otherwise improperly charged for this service. An internet search has revealed hundreds of similar reports from consumers who have faced a similar problem with this company and " service. ''

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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been in constant dispute with Experian Credit Reports since XX/XX/2020. ( Attached are the certified mail for each correspondence since then ) They are showing 3 bankruptcies on my credit report that they claim they are getting from a third party  XXXX XXXX.I reached out to XXXX  XXXX and they did have these three bankruptcies in their data base and it was removed from their data base on XX/XX/2020 as they could not verify these were mine ( because they are not ). XXXX XXXX told me that they will be sending out a dispute letter to Experian and the other two bureaus to remove the bankruptcies as they are not mine. The other two bureaus removed the bankruptcies but Experian claims they are still verifying this through XXXX XXXX I have been in contact with XXXX  XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 and today XX/XX/2020 and they are claiming they have not verified these bankruptcies because there is not way to verify something that is not in their system. I sent Experian my resolution letter that XXXX XXXX sent me on XX/XX/2020 and they received it on XX/XX/2020 showing the items were removed from my report but they informed me that this information was not good enough to remove the bankruptcies because they need to send in another dispute with XXXX XXXX XXXXeel that i have done my due diligence in trying to get a solution with Experian.I am asking your help to resolve this.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
This is in reference to a account with Amsher Collection Service ( Acct : XXXX ), this account belongs to XXXX XXXX XXXX XXXX XXXX and was a corporate account. I didn't sign or authorize a personal guarantee, so this should not be reporting to my personal credit. There has been no communication to the business to collect this debt. I will pay the debt on behalf of the business but not as long as it is listed and reported as a personal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation