vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
3rd time reporting cause wells fargo says they reported the 3 months covid payment relief properly to the credit bureus. When this process started they lied to me. I was told this would not effect my credit in a negative way and it is. They havent reported a payment since XXXX of 2020. I missed XXXX XXXX and XXXX for the covid relief and rolled to the back of my loan. I paid ontime XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and never was late on a payment before that. They keep telling me im.under credit suppression but they simply arnt reporting. According to XXXX they can report XXXX XXXX and XXXX as forberance but they should report the rest as current as once the modification was done my loan woould be 100 % current. Its been done since XXXX. Im done with the back and forth with wells fargo telling me they are in he right as they are not. Ive lost a refi do to this so now im going to file complaint after complaint until my loan shows the right information on my credit report or wells fargo pays me damages for refi i lost and the inaccuracy to my report. Im done being XXXX  over by huge businesses. They helped NO ONE with this relief XXXX all they did was cause a headache. Loan account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX The background of this compliant is regarding unanswered communications to Chase ( JPMortganChase ), specifically and initially in a phone conversation and servicing complaint on XX/XX/XXXX, with a purported manager named XXXX XXXX phone # XXXX XXXX XXXX. ) 75 days have elapsed days without a reply, There were additional requests for a reply made to other Chase personnel, 1. customer service # XXXX XXXX XXXX, as well as,. 
2. requests to their online messaging system personnel AND. 
3. a couple of formal PERSONAL AND CONFIDENTIAL complaints to their executive officer ( XX/XX/XXXX, CEO ) on XX/XX/XXXX and XX/XX/XXXX XXXX and 37 days have elapsed days without a reply, INCLUDING. 
The failure to satisfy a requested XX/XX/XXXX deadline 33 days have elapsed. without a reply on this. 

in summary Chase never responds to the complaint ( s ) submitted to that employee or any of the others named. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO XXXX. fax XXXX XXXX XXXX XXXX alt re : Complaint This is another formal COMPLAINT regarding my communication to your office on XX/XX/XXXX It has been another 2 weeks without any response or resolution on the issue presented to XXXX on XX/XX/XXXX and now 5 weeks since that was first done. 

I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, no later than XX/XX/XXXX, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again or involve other entities. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ********************************************************************************************************************************************************** XX/XX/XXXX PERSONAL AND CONFIDENTIAL Mr.XX/XX/XXXX, CEO fax XXXX XXXX XXXX XXXX XXXX XXXX. 

re : Complaint This is a formal COMPLAINT regarding a manager named XXXX XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, I contacted the XXXX # and after several transferred calls, I asked for a manager and was connect to him. 

The issue was regarding unresolved issue presented to you online messaging personnel responses or lack thereof. 

He stated that he would formalize a complaint and stated I would receive a reply in 3-5 business days This did not occur and, as a result, commencing around XX/XX/XXXX, I attempted to contact him again both through both the XXXX and the XXXX numbers ]. 

I was told that this matter would be forwarded to him Approximately 25 days have elapsed since the XX/XX/XXXX contact. BUT, I have not heard back from anyone. 

I need a prompt written response and RESOLUTION of this specific complaint, to be sent via XXXX XXXX or USPS Priority mail, without my having to ask again and again. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint due to lack of compliance within the allowed timeframe from the Credit Bureaus. Please remove the following accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Care Credit/ Synchrony bank charges inappropriate interest on accounts. Additionally they charge a late fee at XXXXXXXX XXXX on the day your bill is due ( most places give a 7-10 day window ) any fees incurred get interest charges. They inappropriately advertise 0 % financing for purchases and then stack on additional fees so when paying your bill you cant ever get the promotional balance paid- then they are able to back charge all Internest. I have tried to track all promotional purchases made with my card and was additionally being charged for a card protection I did not want. That also accumulates interest. I have had multiple calls to them, some of the interest has been resolved but they still couldnt tell me where the XXXX balance came From that was accumulating interest. I have filed XXXX complaint to no resolution. This started in XXXX and I am still not Happy with the resolution. They will not provide any definitive answers. I believe they are fraudulently charging interest to consumers for Profit.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I refinanced and closed the mortgage on XX/XX/XXXX. XXXX XXXX is the title agency used by XXXX XXXX. The sent the funds via XXXX XXXX overnight and I received the tracking number showing the funds received by chase bank. Apparently the amount sent was several dollars short so chase Bank sent the check for over {$540000.00} back to XXXX XXXX in late XXXX. I began receiving phone calls about a missed payment. I got on the phone and explained the situation and provided the tracking number. At that point I was informed that the check was sent back. I immediately contacted XXXX XXXX and XXXX XXXX who corrected this and wired the total amount. At this point my account shows paid in full yet Chase will not remove the missed payment on my account which has destroyed my credit. I have called chase repeatedly including XX/XX/XXXX and about 15 other times and I am constantly being transferred from one dept to another. Finallly I spoke with their credit dept who told me the mortgage dept needs to adjust it and so begins the circle again. At this point the mortgage has a XXXX balance and shows paid in full but yet they are not removing the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adelante, Inc
State: TX

Complaint narrative:
This is an error on the provider for not properly billing any insurance. I never signed any contract stating I am responsible for any debt and even informed everybody that I would not do any service that would involve an out of pocket expense

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 2021-02-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX MUST RE-DELETE XXXX BY XXXX ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've asked for Capital One to validate the debt they say belongs to me on 4 different occasions & they've refused to do so. I asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX for Capital One to validate the debt and they respond with a stall tactic letters all 4 times. As a consumer I am entitled to a validation. I have the debt validation letters I've sent them along with 4 certified receipts I've send them. I've even called them asking for it. I don't understand why Capital one is refusing to Validate the debt they say belongs to me. If it belongs to me then prove it. The burden of proof is on Capital One not me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX IC Systems Collections ( XXXX ) posted a notice of collection to my XX/XX/XXXX account stating that I was in collection for {$190.00} that they claimed as do to XX/XX/XXXX. I called and asked for back up information on the account and they just mailed me their invoice for the {$190.00} with no information on the origin of the debt. Then called XXXX to figure it out d try to resolve it. After several attempts to locate an account there on XX/XX/XXXX I spoke to a manager who after reviewing my file agreed that the charges were inaccurate ( they billed me for an additional month after I called to terminate service ) but claimed I owed them {$89.00} for a prorated amount that was declined by XXXX. The account was on autopay for nearly 2 years with no such incident, but I agreed t pay the {$89.00} in exchange for the promise that the collection agency would be notified, and the notice removed from my credit report. He agent informed me I could take as long as 30 days. The charge cleared my account on XX/XX/XXXX. In XX/XX/XXXX I was made aware that my XX/XX/XXXX credit report was not cleared of derogatory report. I called XXXX again on XX/XX/XXXX, and again was promised the situation was handled and that the collection agency has been informed that there is no unpaid debt to report. Since then, I have made 6 calls to XXXX with the last being XX/XX/XXXX after hearing XX/XX/XXXX had confirmed that IC Systems Collections confirmed the claim as valid on XX/XX/XXXX. The XXXX  agent confirmed that on XX/XX/XXXX the notice went to IC Systems Collections that the claim was not valid. The agent promised I would hear from someone with XXXX XXXX XXXX withing 48 hours. A week has passed, and XXXX has not contacted me by phone or by mail and to my knowledge has made no attempt to correct the situation.

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/XXXX out of the blue Chime banking sent me an email saying they were closing my account. I was able to call them once on a automated system to get an explanation and was told they couldn't tell me why it was closed in their department i had to email XXXX. Well over three weeks now i have wrote 15 emails and can't get any response. I don't care really why they closed it but i had aprx. {$1400.00} in the account and they have yet to return it. They have zero landlines to call, no physical address, and one email address i can use, i am totally frustrated. I would like to be able to eat and need to know where my funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion will not allow access to the free annual credit report. I established an online account several years ago and have had no problem until today. 

The agent told me that to access my credit report, I would first have to cancel my current free account and then open a new subscription account. The agent did tell me that credit freezes and disputes could be handled with my current account, but I am unable to login into the account. 

It looks to me that Transunion is up to their old tricks of XXXX customers to improve their profits.

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 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
My complaint is regarding two companies known as Sequium Asset Solutions and XXXX XXXX XXXX. On XX/XX/XXXX I initially complained to the CFPB about XXXX XXXX XXXX placing the false account below on my credit file, When confronted by the CFPB, XXXX XXXX XXXX initially took the false account off my credit files, but they must have sold the false account to another company, Sequium Asset Solutions. This new company added {$1.00} to the balance of the false account and now put it again on my Credit files on XX/XX/XXXX. This is not my account and i will be pursing legal remedies against the above mentioned companies if they do delete this false account from my credit files and cease and desist from these activity in the future. 


SEQUIUM ASSET SOLUTION Original creditor : XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX XXXX and XXXX credit files. This is not my account and i want it removed from my XXXX, XXXX and XXXX  Credit files permanently. Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
The company did not provide us with any formal application. Everything was done over the phone. 
We sent a e-mail and call the company and explain we were not happy with their conduct. 
XX/XX/2021 Dear Mr. XXXX or XXXX We are not going to go though with the loan, we found a Bank that will handle our loan, therefore, we are requesting that you forward our XXXX dollars, and the real estate license appraisal on our home Thank you for your consideration - again we have found a Bank that will handle the loan, and a lawyer is working with us at this time The Bank is going to pay for the appraisal- Again thank you WE received a call on XX/XX/2021 Call Notify from XXXX - XXXX XXXX at XX/XX/2021 XXXX XXXX- This call was about the complaint and wanting us to contiue, we told him no Today we received a notice : Dear XXXX XXXX , Attached is documentation regarding the loan application which you placed with Royal United Mortgage LLC . If you have any questions regarding this documentation please contact XXXX XXXX at XXXX or XXXX. 

Sincerely, Royal United Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old. 

XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened. 

XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end. 

XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a text message from XXXX XXXX XXXX XXXX XXXX stating " Chase XXXX XXXX XXXX. Did you authorize a transaction for {$2000.00}? Please Confirm to : XXXX XXXX XXXX '' I checked my account without using the link and there wasn't a charge for {$2000.00}. The fact that this came from an actual number and it did not allow me to text back told me that this might not be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI

Complaint narrative:
HELVEY & ASSOCIATES Contact XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX I paid XXXX XXXX  directly in full. called Helvey & associates with paid account information the person I spoke to was upset I had Gas company and not them, said they would not remove it as showing in collections even with a {$0.00} balance. because I owed them. It is still showing as 1 account in collections with a {$0.00} balance. I have lost 2 places to stay because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was working a friend who has knowledge repairing credit. Unfortunately his house was burglarized and much of his information was compromised. I believe this fraudulent loan happen due to this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX  MUST RE-DELETE WAYFAIR BY COMMENITY ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX

Company response to consumer: Closed with monetary relief