vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I already reached out to the credit bureaus and to DISCOVER FIN SVCS LLC, and notify them of their recent study along with the missed payments pertaining to the account number XXXX on my report. I requested an investigation and the correction of the information. No changes were made. I informed them that this company was violating the Fair Credit Reporting Act yet they did nothing to correct the matter. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical first hand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I placed a freeze on my report after suspicious activity. I have been trying to remove the freeze placed by transunion. 
They have been unresponsive. 
Unable to be reached or contacted for help by phone or email. 
Their voicemail system goes in circles and then hangs up on you. 
Their site has locked me out so I cant sign in. 
Im unable to remove the freeze. 
It has Been 4 weeks of this.

If you stay on hold for 2 days it disconnected. 
If you ask for a callback- they never call back.

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 2021-03-09 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:
My wife and I were victims of wire fraud on XX/XX/XXXX in the amount of {$19000.00} from our Chase account and {$12000.00} from our XXXX XXXX XXXX account. We contacted the FBI ( filed an IC3 report ), the beneficiary bank XXXX, Chase, and XXXX XXXX XXXX 3 hours after the wire cleared. The recall was initiated as of XX/XX/XXXX by Chase and they received the following message : " Please be advised your request is denied at this time. Please contact our Fraud Assistance Center at XXXX. For questions on your payment if you wish to send a hold harmless pls email XXXX. '' On XX/XX/XXXX I spoke to a Special Agent with the XXXX XXXX XXXX XXXX XXXX who confirmed with their XXXX contact that the account was frozen and our funds were still in the account. We filed a police report with LAPD on XX/XX/XXXX. We called Chase multiple times and were told that we have to send a secure message for these claims and can not speak to an individual. On XX/XX/XXXX my wife went to the local XXXX Chase branch and spoke to a banker. He filled out a recall request form for us as well. After following up with him multiple times, he claimed he wasn't getting any updates on his end as well. Our first secure message was sent XX/XX/XXXX and they replied XX/XX/XXXX asking us to provide the details and the FBI and/or police report. We sent the LAPD police report and FBI IC3 copy to them immediately. On XX/XX/XXXX I talked to XXXX XXXX XXXX department to see if I could get any information and they claimed that there is no record that Chase reached out to them, but there was a record oXXXX XXXX XXXX XXXX reaching out. On XX/XX/XXXX, Chase responded via secure message with " DEAR CUSTOMER.THANK YOU FOR THE INFORMATION PROVIDED. WE HAVE SUBMITTED YOUR REQUEST TO THE APPROPRIATE TEAM FOR REVIEW AND WILL REVERT UPON RECEIPT OF THEIR RESPONSE WITH APPROVAL/DENIAL.THANK YOU. '' I followed up on XX/XX/XXXX and they responded XX/XX/XXXX " Unfortunately we do not have an update at this time, but we have forwarded this inquiry for an update. They will reach out to you provide a status update. The process for a hold harmless letter request may take 45-90 days and may require additional review. '' As of today XX/XX/XXXX, there is no update. Our wire fraud affected 2 of our bank accounts, this one with Chase and the other with XXXX  XXXX XXXX. We just heard from XXXX XXXX XXXX that our funds have been returned. However, there is no update at all from Chase. They have not even taken the steps to send a hold harmless letter to the beneficiary bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has accused me of making the following charges on my account : - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX CA {$120.00} - XX/XX/2019 XXXX XXXX, XXXX XXXX CA {$120.00} I have made several attempts at making fraud claims and have even faxed in a police report that I paid out of pocket for. However, they consistently denied my fraud claims and have accused me of making these purchases. I would like to settle this, once and for all, and finally close all my accounts with Bank of America, as I can not trust this bank with my money.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I've try for the last two years to resolve this account with Comenity Capital Bank and they incorrectly put my account in collections. I went through a financial hardship and try my best to work a payment arrangement with them. Now my account is with XXXX XXXX and XXXX XXXX XXXX. I've called XXXX XXXX XXXX to settle my account and I was hung up on several times. They have the worst customer service. I do not know what else to do. This account is on my credit report as a collections account but XXXX XXXX and XXXX XXXX XXXX are not collection agencies. I want this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I filed complaint # XXXX with the CFPB. That was also the day that Bank of America says they would be sending me a new debit card ( the previous card was cancelled due to my reporting an unauthorized charge ). Today I contacted the bank to see why I had not received new card and I was told that the card was ordered on XXXX but that my account was flagged for fraud and that I had to speak to the fraud department. The fraud department said that the risk department were the only people who could help me..I was placed on hold on excess of 8 hours with every transfer from person to person I spoke to but still no answer as to why this is happening. The last fraud person named XXXX that I spoke to said that I was basically being " penalized for reporting the unauthorized transaction '' the call was supposed to be recording so I am hoping that can be accessed to prove what I have stated. He then told me I would have to be placed on hold for " at least an hour so I could talk to someone in the risk department. Meanwhile, my account is blocked, I have no new card, and I can't transfer my money to another account. I have past due bills to do pay, no groceries AGAIN because of this bank of and they are not providing any resolution or answers. I am left assuming this is a retaliatory action and just need to resolve this somehow so that I can receive my much needed money.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
I received a Letter of Notice of Unpaid Electronic Fund Transfer from TRS Recovery Services. Reference Number : XXXX. When I contacted them, I could barely understand the customer service agent to dispute the charge and request copies of all documents. I was told to send in a online request. When I attempted to fill out the form online, all the form did was error out when I submitted. The CSR told me to call the financial institution of the alleged account. I don't have an account with that financial institution, so their fraud department was unable to assist. I also called TeleCheck Services Inc., and they were unable to assist since I'm not in the system. This business wanted my personal information for some reason without providing copies of the debt they say I owe. 
When I contacted the local police department of the incident, the officer wanted information was was not provided by TRS Recovery Services. 

TRS Recovery Services & TeleCheck Inc. believe you are guilty until I clear my name. I will not provide my financial information any personal identifying information until TRS/TeleCheck provides documentation of a debt. 

TeleCheck may not approve my checks at stores and financial institutions according to the collection letter. Even though it's not my debt. 

I AM DISPUTING THIS DEBT.

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 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am requesting the help of the Consumer Financial Protection Bureau in reference to a late fee that was processed in my XX/XX/2021 statement on my Best Buy Credit Card Account. I was billed a late fee in the amount of {$27.00}. I wrote the credit card company a notification for assistance. Please see attached document as this is the notification I sent to them via mailed correspondence for assistance. I requested help that was denied to have account credited back on XX/XX/2021 over the telephone when I spoke with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Account for auto loan was dissolved during 2016 bankruptcy and is being reported as open and delinquent by Experian after being corrected by both XXXX  and XXXX. Loan was at first reaffirmed then withdrawn during filing. Originally reported as still open by other bureaus yet Experian has refused to correct record after 2 disputes and contacting XXXX XXXX, the loan originator who was reporting incorrect information until I was able to contact them about falsely reporting account still open. Bank was reporting late payments in the month of XXXX and XXXX for an account that was closed in XXXX. Bank acknowledged they had reported false information due to originally reaffirming the loan then withdrawing. After disputes and phone calls Experian still lists the loan as open and delinquent. During most recent phone call Experian representative acknowledged seeing corrected info from XXXX XXXX  but did not correct the information in credit report because the court documents I had sent were included in my previous dispute and therefore not " new '' information.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have reached out to mortgage company several times by telephone. I also have been told multiple times to reach out using relationship manager email address. Please see attachment of monthly contact and my receiving zero response beyond youre still on forbearance. We will update you as new information becomes available. In the interim Ive been told to submit my bank account statement which I have done. 

Ive asked multiple times for reduced payment, refinance to lower payment as well as place all arrears to end of my loan and please remove the late fees. 
My requests have been ignored multiple times. 
When I submitted a report, SPS Inc remitted partial information to you and acted as though Ive provided no addl update, banning additional remedies of help on their part. 
I have been and continue to be impacted by COVID. I have not been able to work for almost a year. Ive been looking for work and opportunities have either froze halfway through interviews or have been halted until we are past pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TN

Complaint narrative:
I have called in numerous of times and have also mailed in each document I have been asked for. There are unauthorized and unverified inquiries on my credit report that I didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
I wrote to global check services regarding the extensive fraud that has occurred under my name and disputing the demand for payment that I continue to get from this company, and their response was to send information that I dont know how to get. They are requesting {$500.00} from me for online gambling for a XXXX XXXX  account that I dont have. This money should have never taken because my accounts were closed back in XXXX. I have attempted to resolve but are asking for a notarized affidavit of forgery. All I have is my FTC report # a submitted police report along with identity theft alert and locked credit reports. Im not sure what I can do to satisfy their requests and frankly I have been jumping through hoops and even obtained legal counsel since my bank did not follow regulation E when I noticed the unauthorized transactions on my accounts. They did not investigate until my money was stolen from my account. I have issued several statements regarding my banks misconduct only to continue to fight for my rights. I would appreciate any help you can give regarding my situation. I am failing when I continue to point out and explaining that due to their inability to follow regulation E my accounts would be in good standing given their decisions to not give me any money, since no investigation was done in the appropriate time frame. That the account in question with XXXX  XXXX  XXXX  should have never been an issue since this was part of many, fraudulent transactions that I had brought to their attention back in XX/XX/2020. Im not sure what to say about the account that is requesting that I pay since I am not sure how any money would have been received from the closed account. If theres any other way to get money from an account that was closed In XXXX, specifically the XXXX of 2020 that would be all for XXXX XXXX XXXX to explain, since I opened a new account, it has been compromised but they continue to refuse me my disputes. I have never used the new account that is also been closed due to money lost. I just dont understand how much I am supposed to lose that XXXX continues to refuse lawful assistance according to the EFTA/ FCA/regulation E and so many other consumer rights that are being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NY

Complaint narrative:
I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.

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 2021-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I am trying to refiance my home. When contact the mortage company for documents such as payoffs and netted escrow balances. They will not supply the documents needed. They keep demanding I refinance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: American Credit Acceptance, LLC
State: MO

Complaint narrative:
Account is closed and balance showing on credit is incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a XXXX XXXX account. On XX/XX/2021, I received a XXXX credit card payment form my customer ( XXXX XXXX XXXX XXXX ) for {$41000.00}. After XXXX deducted their fee for processing the credit card, i was left with {$39000.00}. I deposited 2 transactions into my chase personal account from my XXXX XXXX holding account. 

1. transaction date XX/XX/2021 instant deposit {$27000.00} 2. transaction date XX/XX/2021 for {$10000.00} total XXXX deposited from my XXXX  account and placed into my personal account. 

JP Morgan Chase bank is the bank in question and major issue. The bank place my account on restriction because of suspicious activity. I went into the bank and the Banker ( XXXX XXXX ) explained that this was done because of a business transaction was deposited into a personal account and they needed to verify funds belongs to me. The XXXX is me and my husband XXXX. We submitted all required documents requested and yet the bank decided they were not sufficient documents and place the account into suspension after 10 days. This money is money we work for and our XXXX we own. We don't understand how the bank can take our money after we have verified it belongs to our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed a bankruptcy on my Experian report and have ask that Experian provide me with written document proof of how this was verified/certified. Experian hasn't provided me the information as requested but continue to report on my profile. I would like the document proof that I requested or delete it from my profile.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I started a XXXX  in XXXX of 2021 and have since obtained multiple lines of credit that haven't hit my XXXX XXXX  XXXX and XXXX credit reports yet. As part of my plan to grow business credit I submitted a XXXX  application to Staples for XXXX  credit, not personal credit. Instead of checking my XXXX credit, which I did not authorize, they hard pulled by personal credit.

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 2021-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I HAVE ALREADY SUBMITTED THE FTC FRAUD REPORT TO ALLY AND THEY SOLD THE DEBT TO A DEBT COLLECTOR WHICH IS ILLEGAL

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