vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Wednesday ( XX/XX/2021 ), I received a text message from phone number XXXX with the message that " my Chase account was locked due to suspicious activity '' and the link to an website that look identical to Chase website. In that website, I was asked to provide my personal information including my name, date of birth, address, phone number, social security number, driver license number and Chase bank account information. 

On Friday ( XX/XX/2021 ), during XXXX, I was working and noticed my phone was out of service. I didn't think too much and came home at XXXX realized that my email password was also changed at XXXX on the same day. I contacted XXXX find out what happened and they told me that someone transfer my number from my XXXX card to their phone ( IMEI # XXXX ). I was able to regain the access to my email using my recovery email. When I logged in to my email, I learned that there were 2 transactions happened in my Chase bank account : - {$1900.00} XXXX payment to XXXX XXXX XXXX ( Phone # : XXXX ) - {$10000.00} Online Domestic Wire Transfer to XXXX XXXX XXXX ( routing number : XXXX, account number : XXXX ). 
I went to IdentityTheft.gov to report the incident on the same day. 

On Saturday ( XX/XX/2021 ), at XXXX, I went to XXXX Police Department to report the fraud ( Police report # XXXX ). At XXXX the same day, I went to a Chase Bank branch ( XXXX XXXX XXXX, XXXX, CA XXXX ) to report the problem. The Chase man was able to help me change my username and password, close my Chase bank account preventing further fraud, and report my incident to the Chase Claim Department. I contacted XXXX, XXXX, and XXXX  the same day to freeze my credit line.

On Monday ( XX/XX/2021 ), I received the mail stating that there was a new notice, letter on my Chase account. I contacted Chase to open my account and learned that Chase denied my {$1900.00} XXXX Fraud Claim and no further action will be taken on the claim ( Claim # XXXX ). I contacted Chase Claim Department and learned that the XXXX transaction is irreversible, therefore, Chase is not responsible to refund the fraud transaction. Even though I have evidence proving that my email password, phone number and banking information was changed without my consent, Chase still denied my claim refuse to take any further action to look at my evidence. 

I didn't receive any update on the Online Wire Transfer Fraud claim to this day ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached accounts reporting to my credit bureaus that are not mine, They are authorized users and I am not responsible for these cards. Per the FCRA everything that is reported to my credit bureaus need to be reported 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I have attached accounts reporting to my credit bureaus that are not mine, They are authorized users and I am not responsible for these cards. Per the FCRA everything that is reported to my credit bureaus need to be reported 100 % accurate.

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 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I need a XXXX XXXX loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused

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 2021-08-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I need a care credit loan for a hearing aid. I applied twice and was declined. My bills and other credit cards are all paid on time. So why am I being refused

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 2021-08-09 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 am very pressed by terrible life conditions and these fake accounts in my credit report just ruining my life. I want you to delete them as I can not operate anymore ... These items just killing my score and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 4th time disputing these accounts and no one is responding ... The XXXX is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX Account XXXX XXXX- XXXX Unverified Account US Department of Education- XXXX XXXX Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX XXXX Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX 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 2021-08-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my 4th time disputing these accounts and no one is responding ... The CPFB is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX XXXXUnverified Account Acceptance Now- XXXX Unverified Account US Department of Education- XXXXXXXX Unverified Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX Unverified Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX 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 non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have a PayPal account and I changed my phone number and couldn't get in so I looked up how to get in touch with PayPal and was directed to the site but they said I had to download XXXX XXXX gift cards and they also had me download an app so when I finally figured out what was going on I tried hanging up and I couldn't it was like they had control of my phone I finally got the app off my phone and I didn't send them the gift cards they wanted me to download here is the number and name. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 45 days for no response. I will file a complaint with the XXXX XXXX XXXX  and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX my checking account was cleaned out by someone posing as a bail bondsman. Capital One denied my claim, calling the charges ( all via ATM ) authorized. They werent. So now Im out {$3200.00} and said bank is either an accessory or an accomplice to a felony

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX. I am permanently XXXX. I am currently receiving XXXX. Before I became XXXX, my loan was set to autopay. I was never late, and I never missed a payment. According to the payment agreement with Nelnet, if one set their payment to autopay, Nelnet would reduce the interest rate to somewhere south of 6 %. My loan has been on auto debit during the entirety of my loan. Nelnet and Great Lakes used this difference in the interest rate to falsely report to the government the amount I paid to them during the time I was repaying my loan when in fact they were applying the funds I paid to future payments in order to keep me from paying on the principal. When the inquiry came from you guys previously, they reported to you all that my loan was being repaid at 6 %. 

Now that my loans have been transferred or are being transferred. Nelnet has transferred my loans at the discounted rate based on the auto debit rate leaving behind the difference in the interest rate each month. So despite the fact that I became XXXX on XX/XX/2020, and the letter says I am entitled to a refund of all payments made after that, Nelnet is now actively charging me the difference in the interest rate each month showing that for the first time in the over 15 years that I had been paying on my student loan despite serving in the XXXX XXXX in XXXX, Law Enforcement for 8 years, and as a state prosecutor all the while being told I did not qualify for the Public Service program, Nelnet is still using predatory tactics to not only cheat me, but to cheat the government as well. I am XXXX through social security. I am 90 % XXXX veteran. Sending Nelnet a letter to ask them about it is a little like sending a serial bank XXXX a letter asking him about a previous bank robbery. At what point is someone going to engage in a serious inquiry of a company where there is more than probable cause that they are engaged in wire fraud, mail fraud, conspiracy, and a host of other crimes. How many other people have to complain about these people. Currently my account with Nelnet looks like I am in arrears for the first time ever. I am hopeful that someone can actually assist me in this matter. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
SunTrust bought my mortgage from XXXX Mortgage and the provided no information about the new mortgage ( mortgage number, payment options ). Their first communication to me was to tell me my payment was late and they were unable to offer ability to pay the mortgage online. Their customer service had long wait times and could not take a loan payment over the phone.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Caine & Winer got this collection from XXXX. My policy was $ XXXX, I stopped my progressive insurance on the XXXX of the 6th months because I did not want to renew because it was too expensive. Still they charged plus over charged me. Please check my screenshot. I do not owe them. I cancelled my policy on the first of the month because the renewal was too expensive. I called them. But the still charged me for 1 last months while I have XXXX when I called them, they said no body stopped my services, so they charged me anyway for 1 straight month. But even over charged. Because my payment was supposed to be {$240.00} They reported {$490.00} and I called them. They said I have to Caine & Winer, but hey I called them they be telling me if I don't pay my credit will be messed up. 

I have enough evidence to make a court claim, I don't ; but they have the power to sit in my report illegally for no reason to destroy my life and future in this system. 

Because they have too much power. I attached all the proofs of what I was paying and where price went up. It was a 6 months policy, I left it on the 6th month. But still they over-charged. They could charge me for the one day of the 1st of the month, but not for this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
Greetings, I am extremely frustrated with Amerihome Mortgage and XXXX XXXX. The mortgage company failed to inform me in a timely manner that they weren't able to secure the homeowner 's insurance payment due to the failure to secure the insurance company 's information even though they had made a payment on my behalf the previous year. I asked the company why no one had emailed or call me to let me know I had no insurance they said it was against the company 's policies. It's considered harassment to send me an email even though I receive monthly payment emails from the company. I was told I am on my own and I would have to find a new insurance company, even though I am not the reason I lost my insurance. I found an insurance company and weeks later the company still hasn't received any payment from them even though they said they mailed out a check since XX/XX/2021, the company still hasn't received it up until XXXX XXXX. 

As it relates to XXXX XXXX, It has been a month now since they informed me that they are unable to reinstate my insurance, and they still haven't returned the check. I have called them multiple times along with my mortgage company and still no help. How is this acceptable when this is my money that is continuously paid on time???? how can these companies treat customers like this with no consequences?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase banks or j.p. morgan chase account created in my name will not tell me why or if its attached to some other account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Risecredit, LLC
State: MD

Complaint narrative:
? = Data Point is QUESTIONABLE in its reporting I = Data Point is INCONSISTENTLY reported across displayed bureaus, an infraction of the 5th point of XXXX XXXX Five points of compliance! 
M = Data Point is MISSING and or is DEFICIENTLY reported as compared to what is most likely information that SHOULD OF BEEN adequately reported! 
U = Data Point is else wise UNPROVEN, as reported! Undocumented claims can NOT be assumed valid nor compliantly reported! 

RISE XXXX XXXX XXXX Account # : XXXX I U? 
Account Type : Installment I U?

Account Type - Detail : Unsecured loan I U?

Bureau Code : Individual I U? Account Status : Derogatory I U? Monthly Payment : I U?
Date Opened : I U?

Balance : I U?

No. of Months ( terms ) : I U?

High Credit : I U?

Credit Limit : I U?

Past Due : I U?

Payment Status : I U?

Last Reported : I U?

Comments : I U?

Date Last Active : I U?

Date of Last Payment : I U?

Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Kentucky Higher Education Assistance Authority
State: NJ

Complaint narrative:
I have this account that does not belong to me and i want it to be removed from my credit report. 


1. Identity Theft KHEAA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: AR

Complaint narrative:
My credit score dropped 61 points with Transunion only because my credit card balance increased by {$79.00} and my Dad credit score dropped only 20 points and his credit card balance increased by {$130.00} with Transunion. When I called Transunion and asked a Transunion representative on the phone about my account, he said that nothing had changed, but when I paid Transunion to see what my credit score was, it showed that I had lost 61 points the same as what XXXX XXXX was showing me.

How can I lose 61 points for a {$79.00} increase on my credit card and someone else only lose 20 points for a higher increase on there credit card? I looked at my credit report and nothing else had changed to cause my score to drop that much. I have attached two documents showing proof of what I'm saying.

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 2021-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
I wrote to HP Sears to ask for debt validation and proof of authorization. They did not send any documentation or proof continued to report the information on my credit reports.

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 2021-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
They took longer than 30 days to get back to me. I submitted a dispute on XX/XX/XXXX to dispute the inaccurate and incomplete information that Equifax furnished on my report. After getting the generic it is verified letter, I then submitted a CFPB complaint because Equifax has continuously decided to break federal and state laws, especially 15 USC 1681 and that is just naming the one I know most about. They have continuously changed information from month to month and they have not bothered to do a real investigation like the law says. I have a detailed list of violations that Equifax has racked up while doing and reporting whatever they want. 

They also mention in another complaint, after 45 days of NOTHING that the information I presented does not match what they have in their records which shows to me that there is a CLEAR MIX UP or there is no way they did an investigation in the past, because how can they report information without even knowing it is me. I submitted a complaint on XX/XX/XXXX and they responded back on XX/XX/XXXX, asking for more information. They would not need this information if they did the investigation they say they did. They also had a data breach in XX/XX/XXXX, which is when this information started reporting on my account inaccurately. This is my final attempt before I look to have a lawyer assist me in court for violations and damages afforded to me by federal and state laws. I will use these violations to possibly collect the maximum amount of damages afforded to me under the process of the law and I do not settle.

Company response to consumer: Closed with explanation