vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was behind on my Mortgage with Chase Bank where I was searching internet for a Company to assist me in refinancing my existing loan with my current lender CHASE to lower my payment so it will be affordable for me. I called XXXX at XXXX and spoke with Mr. XXXX XXXX and then he set up an appointment for me at their office, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
On XX/XX/XXXX I went to their office and met with Mr. XXXX XXXX and his Supervisor Mr , XXXX XXXX and initial talk they promised me to modify my loan to a lower rate with Chase in 90 days for me and for any reason they are unable to do so then they will issue a full refund to me. They extracted a sum of {$7000.00} from me and literally done NOTHING. 
I had my attorney called Chase and spoke with Mrs XXXX who stated that there is no record of any representation by the said company and only they received a call from Mr. XXXX XXXX at XXXX XXXX on XX/XX/XXXX advising us that Mr. XXXX XXXX need financial help which they were told by XXXX XXXX to have me to call them. There was no other correspondence or calls after that. 
I believe I am a victim of a fraud by this company. My attorney advised me that under Senate Bill 94 passed in XXXX, No one including attorneys to collect any up front money from me and any one for a loan Modification. 
XXXX XXXX, My Cell is : XXXX My address is : XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I requested reversal of fraudulent charges with Capital One on my credit card. They were reversed, and I requested a new credit card with a new number. Capital One has changed my account number, but has continued to let charges through on the old number. Also, THey have refused to issue a new card in my name. I asked them to close the account today, XX/XX/XXXX, and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I received a letter from Citizens One Personal Loans dated XX/XX/2021. The letter was addressed to my maiden name and my physical address, not my current name and mailing address. The letter reads : " We have not received your monthly payment or {$450.00} that was due on XX/XX/2021 on your Citizens One account for ending in XXXX. 
To keep your account current please visit www.service.citizensone.com or call us at XXXX to make a payment or to update your payment information. We are available 24 hours a day, 7days a week. 
Thank you for your business and your prompt attention to this matter. 
Sincerely, Citizens One Important Notice : We may report information about your account to credit reporting agencies. Late Payments, missed payments, or other defaults on your account may be reflected in your credit report. '' I do not have an account with Citizens One. I checked my credit report immediately to make sure that Citizens One is not showing on it. 

I attempted to call the number listed in the letter and got a recording stating " if you received a letter concerning a late payment that you believe to be in error, no further action is needed '' and then asked me to stay on the line to speak to someone about existing accounts. I was on hold for a very long time and was never connected to a representative. I attempted the call several more times, again staying on hold for a very long time and never being connected. I then went to the website listed, which is only a login page for accounts that states " Our eCustomer Services portal is available for you 24/7. '' but there is no eCustomer Services portal link available ( unless that login page is it ). I went to the main Citizens One website, as well as their parent website ( Citizens Bank ) and found no information pertaining to letters being sent in error. 

I went to Citizens One XXXX page and found other people complaining about receiving the same letter and not being able to get through to any representatives. 

Further action IS needed. Was there a data breach? Has their system been hacked? Did someone take out an account in my name? We, as consumers, need more information than just " no further action is needed ''. We need to be aware of any issues that could lead to our data being compromised so that we can take the proper steps to protect ourselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/2020 two first class tickets were purchased with the Barclay Card XXXX rewards from the XXXX XXXX XXXX from XXXX for medical reasons. Because of COVID-19, we cancelled and rescheduled the flights knowing this was going to happen. The country started opening its borders again and I tried calling and tried to get in touch with XXXX being on hold for hours on end- then just two weeks before we were to take off they cancelled our flights meaning they bumped us out. Never mind that we purchased the tickets MONTHS IN ADVANCE. We then had to purchase the tickets from XXXX XXXX and we got to our destination. Prior to leaving we notified Barclay and they gave us credit back for both tickets. When we got back, we were refunded for one of the tickets. We are now being ignored to get the other one refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Paypal Holdings, Inc
State: TN

Complaint narrative:
Hey Im have a problem whit the money of help of coronavirus 19 help for my family this start a XXXX toy day is XX/XX/2021 and they dont give me a solution. Im really need this money bacause Im dont working now about the situation Im trying to fix this problem whit paypal and paypal companie dont give a solution Im really need the help for my family thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: AZ

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
We thought that we resolved this issue with DOVENMUEHLE MORTGAGE INC and have a letter from them, to both Consumer Financial Protection Bureau and us, stating that they would resolve the issue and that they had sent a check to rectify their mistake to our escrow account, however our new mortgage company has not received the check for {$6000.00} that they stated to have sent to our new mortgage company, XXXX XXXX, on XX/XX/2020. I have tried to get an answer as to why I have not received the funds that they stated were owed to us, only to get a different answer every time I call. I have tried to resolve this issue with them, again. After 3 months of waiting, we would like to know why we have yet to receive our escrow money in the amount of {$6000.00} sent to our new mortgage company. I have attached the letter that DOVENMUEHLE MORTGAGE INC sent us stating that they sent us our missing funds on XX/XX/2020. The letter is dated XX/XX/2020. We have still NOT received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: LEXISNEXIS
State: SC

Complaint narrative:
LEXISNEXIS HAS VIOLATED ME UNDER FCRA THEY PREVIOUSLY BLOCKED A BANKRUPTCY RECORD THAT WAS IDENTITY THEFT BUT CONTINUED TO REPORT IT XXXX  AND XXXX AND PACER A THIRD PARTY. I HAVE ASKED THEM PREVIOUSLY TO BLOCK FREEZE AND SUPPRESS MY RECORD WITH THEM. THEY HAVE ASSURED ME PREVIOUSY THEY HAVE BLOCKED THIS FILE AND REMOVED INFORMATION BUT CONTINUE TO REPORT. RECENTLY THEY EXPLAINED TO ME THAT WERE DISPUTING ONMY BEHALF TO XXXX AND XXXX. BUT ITS STILL REPORTING ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
https : //www.shellpointllc.com/contact-us/ mortgage company refuses to pickup phone for multiple days. They took over my mortgage service and made mistakes. They refuse to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a text from Citizens Bank ( XXXX ) stating " FROM CITIZENS BANK : For account ending in XXXX : Did you attempt a debit of {$250.00} at XXXX XXXX XXXX XX/XX/XXXX? REPLY YES/NO/HELP '' I responded " NO '', and immediately called Citizens Bank. I spoke to a representative, and was told I received the text by mistake. I requested to speak to a manager, and the manager told me the same. When I asked the manager how I could trust Citizens Bank when I was receiving the wrong texts related to fraudulent transactions, she put me on hold. When I was placed on hold, I received a call from Citizens Bank ( XXXX, badge XXXX ), who explained that the fraudulent transaction was, in fact, attempted, but blocked. He also found another fraudulent transaction in process. XXXX did a great job.

However, it should be noted and reviewed that the other representatives 1 ). did not know what they were doing, 2 ). told me that I received the text from Citizens bank by mistake, and 3 ). provided no useful information to resolve the issue. If I did not speak to XXXX, I would have had additional money stolen from my account due to their poor training and bad customer service. The calls are recorded, and should be reviewed.

Overall, the customer service of Citizens bank has declined. They are clearly not appropriately staffed to handle their clientele given the amount of time you need to wait to speak to a customer service representative ( the wait is normally never below 10 minutes ), and the staff is not properly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
I remember losing my wallet a few years back. I recently was looking to get a house with my husband. The lender told me that I had some accounts on my credit profile that needed attention. They listed a few of them and I do not recognize them at all. On XX/XX/XXXX, I pull my credit to see what they were talking about and come to find that those accounts were not authorized by myself. I contacted the credit bureaus to inform them of the incident and they told me to reach out to the FTC and get a report drafted from them. I have attached the FTC report along with my Driver 's License.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been out of town and when I got home and opened my mail, there was a Chase debit card in there saying my new Chase debit card is here. I dont bank with Chase. I dont have a checking account anywhere ending in those four numbers. I called Chase spoke to about 3 different people. Chase told me to contact you. Coincidentally this same thing is happening to a friend of mine. Same small town and we frequent the same places. Theres no date on the letter. It could have been sitting at my house for several weeks. Maybe even a month or more. I tried to activate it thinking it had something to do with the IRS as per the recording from Chases customer service. I couldnt activate it so I called Chase and here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been using the US Bank credit card for >10 years and earned rewards. Most of the time, I redeem my rewards for airline travel and never experienced any issues. Due to COVID-19 outbreak, I began to redeem my points for 3 pieces of merchandise in which 2 of them arrived within 1 week. The last piece of merchandise ( XXXX XXXX knife set ) was on promotion for XXXX points when I redeemed it. This merchandise never arrived and I began to call and follow-up on it about 2 weeks after XXXX XXXX which was XXXX. XXXXspeaking to XXXX and he said it would be shipped out on XXXX XXXX. By XXXX. XXXX, I still didn't receive it so I call again that day and was told that I should receive it within 30 days because the website listing 30 days. I checked the website and this product was still listed as available but the points went up to XXXX points. On XXXX XXXX, I called again and spoke to XXXX and was told to wait for 6 weeks so I called the next day and spoke to XXXX who placed an order to track it. I called again on XX/XX/XXXX and spoke to XXXX and she said the tracking took 7-10 business days. Finally, I call again today and ask to speak to 2 supervisors, XXXX and XXXX. I finally am told that the product was out of stock so I question XXXX that if this product is out of stock, why does the website still lists it as available? She could not answer. All they will do is to credit my rewards points back and I have to wait the end of next week to get all the points back.After all 6 weeks, I finally am told the truth which should have been communicated to me sooner. What I learn from this experience is that US Bank reward department has no accountability to track the merchandise at all. It should not take them 6 weeks to finally tell me what I had expected. Now that it will take more points to redeem this merchandise and they just do not honor what they had promised to the customer, the easy way out is to lie that the product is out of stock. If this product is actually out of stock, then it should not be listed on the website in the past 6 weeks that I have been waiting. What they did is contradict to what the reality is and I consider this a a fraudulent activity to the customer.

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 2021-03-04 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I do not have a contract with National Credit Systems Inc for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I voluntarily closed my account that was in good standing with AMEX. I was unable to use most of the benefits of having a Hilton card because of COVID so I did not want to pay the annual fee renewal. I always paid the card in full every month and paid the final payment of {$210.00} on the date I closed my account. The payment processed my bank account on XX/XX/2021. I have my bank records to prove my assertion. Today, on XX/XX/2021 I received a bill that AMEX mailed to me ( please not that I have NEVER received an AMEX bill ; I have electronic billing ). The bill wrongfully asserts a " New balance '' of {$210.00} and includes a minimum payment due of {$40.00} and a payment due date of XX/XX/2021. I'm more concerned about other consumers falling prey to double billing or paying twice when the amount is not owed. Of course, I want this closed account to be credited in full and no balance indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is not a DUPLICATE, I have included new documentation. 1st contract that I was issued for your review. 
It's certainly clear that this credit application is fraudulent. Not my handwriting or signature or monthly income. You stated that proof of income was not a stipulation, well then how did you expect for me to pay for the loan? I am on a fixed income and XXXX. As I stated before obviously the dealer altered the application. I did speak to several call managers the results were still the same they said the information had been emailed. I have attached a copy of the 1st contract@10.50 annual percentage rate. It's worn a little, but you can do the math. I tried reaching out today XXXX to speak to someone to resolve the issue, got hung up on once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$610.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$2200.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
I was given a summons in directly they gave it to the receptionist at my work who in turn eventually gave it to me. Then they went ahead and proceeded with the judgement against me and then a lien and a writ of execution. This debt is more than 10 years old. I believe the original debt was like two thousand and {$3000.00} and now they're saying it's almost 10 thousand after collection fees and interest accrued daily. I just lost my home in the camp fire couple years ago and I have received a work comp settlement and I'm concerned that they're going to go ahead and renew their writ of execution in judgment and try to freeze my account.

Company response to consumer: Closed with explanation