vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX and I have been scammed out of XXXX dollars in payments Thru purchases and charges over my cc limits and money on line transfers that were to help XXXX and other soldiers  overseas  with equipment like computers to talk to family back home. I can supply a name-other people the XXXX XXXX who said he was in the medical side of the XXXX overseas. I have XXXX names and email addresses. This XXXX soldier uses the app XXXX and XXXX instant messaging. I can supply pictures, names, emails, and a picture of the tattoo on his back. Supposedly he -XXXX XXXX-lived in XXXX ph XXXX. Email- XXXX. Other names involved are-XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. He talked like a physician  but I suspect he was not really a physician. I sent money to the individuals above as he said they were the administrators and would see that the wounded XXXX XXXX  got their supplies. XXXX XXXX said he was XXXX descent if that helps. Can someone help me-I know I may not recover my money but I want this group stopped. I have devoted my life to helping Veterans with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Harassing Phone Call received from XXXXXXXX XXXX XXXX ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
XXXX XXXX XXXX is representing Barclays Bank Delaware, in an attempt to collect a 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 2020-03-09 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Complaint regarding Experian 's manner of handling, specifically, their non-functioning website and phone system. I was attempting to lift a fraud alert that was placed by all three credit reporting companies. It was easy to lift the alert with XXXX  and with XXXX. They are to be commended for their customer service. However, it was near near impossible to resolve the issue with Experian. There is no logic or reason. Their internet website is a never-ending loop. The option to send a complaint form over the internet and to load supporting documentation is a test in insanity. It took 5 attempts to type in the initial information to get to step 2 to load the documents. After loading the PDF documents successfully, a message was received that documents could not be loaded properly, and sent me back to step 1, to the original blank form to type in initial information again. Their contact phone never gives you a chance to talk to a live person, just a looping never-ending voice mail directory. After battling with all of this technology and persistently choosing all of the applicable options, Experian directs you to send written correspondence by mail. A complete waste of time.

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 2020-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX I XXXX ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
Built a new home on an empty lot. After a recent assessment taxes increased. I received a letter from Lakeview Loan LLC that there was an escrow shortage. I first tried to have the escrow account removed from my loan and I would pay the taxes and insurance on my own as I already pay my homeowners insurance in-full for the year. Lakeview denied my request. Lakeview gave me 2 options ; a ) pay the escrow shortage in-full by XX/XX/2020 XXXX {$2400.00} XXXX and our payment would increase from $ {$2500.00} to {$2800.00}. OR option b ). Not pay the escrow shortage and our payment would increase from {$2500.00} to {$3000.00}. 
I paid the escrow shortage IN-FULL on XX/XX/2020. 
My XXXX payment was received BEFORE XX/XX/XXXX and Lakeview has my payment @ {$3000.00}. 
MY PAYMENT SHOULD HAVE NEVER EVER EVER BEEN {$3000.00}. The shortage was paid in-full under the terms that Lakeview provided to me.

I have been calling, writing, speaking to Lakeview and no one is willing to assist me. Lakeview is not handling my payments correctly. I have lost all trust in Lakeview. 
I spoke to supervisor XXXX # XXXX on XX/XX/2020 and she promised me a call back and to get the problem resolved. Liar. I spoke to supervisor XXXX # XXXX on XX/XX/2020 ; promised to correct this problem and also a call back. Liar! 
I work hard. I pay extra every single month on my mortgage. Lakeview is not distributing my money correctly. 
Im disgusted with their complete and blatant disregard of respect and customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL

Complaint narrative:
On XX/XX/2019 we were advised by Annie Mac Mortgage representative, XXXX XXXX XXXX, that our loan was ready to close. Our closing documents were sent to us which listed our Cash to Close as {$1300.00}. My wife, XXXX XXXX, and I signed the paperwork and sent it to Annie Mac and the Title Company, XXXX XXXX XXXX. We were advised to wire the money on XX/XX/XXXX once the title agent sent us the information. On Monday XX/XX/XXXX at XXXX hours, we were advised by the Title Company that Annie Mac was sending over new closing documents to correct the Cash to Close. We were told the amount had increased to {$6300.00} and given wiring instructions. We were not given the mandatory 3 business days to review the change in closing costs associated with the loan and expected to wire the money by XXXX hours that same day. Our Mortgage Broker, XXXX XXXX, had assured us that the mistake was a " massive clerical error '' and that they would " do the right thing and give us the {$5000.00} as a principal adjustment after closing. They said the amount increased because they had us signed up for the " wrong program '' that also required " more seller cash to close. '' Upon reviewing the closing documents closer, there is a {$3500.00} seller credit removed from one set of closing documents to the other. We wired the money under the instruction of the Mortgage Brokerage and Title Agent, with the understanding the $ XXXX increase would be applied post close to the principal. Since closing, we saw no principal adjustment and when finally pushed, were given a {$1700.00} adjustment and instructed " that was everything we owed you from the program. '' In Summary : Closing Costs Raised by $ XXXX 16 hours before closing and three hours before deadline to wire money. Promised $ XXXX increase as principal adjustment by brokerage. Given a {$1700.00} adjustment and told they owed us nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMEX research results are not consistent with true transaction history with XXXX. AMEX might have technical issues with XXXX in issuing XXXX cash to the customer account. I have been holding the personal platinum credit card for a very long time. In the past, I have no issue in using the XXXX credit from AMEX because I always enrolling my personal amex card with AMEX. Starting from XX/XX/XXXX, things went wrong. The AMEX XXXX  cash {$15.00} can not be applied. In XX/XX/XXXX, AMEX reverse the issued XXXX cash of {$35.00}. I delinked the card and enrolled again in XX/XX/XXXX. It doesn't help. I haven't received XXXX cash for XXXX and XXXX XXXX XX/XX/XXXX, I tried again to delinked the personal platinum card and re-enrolled it gain. Same issue. I have all transaction documents from XXXX cash account. AMEX is welcomed to contact you for the transaction history. AMEX owe me the XXXX cash of {$80.00}. I ended up paying that out of pocket. I would like to request of XXXX Membership points as goodwill gesture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 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: DE

Complaint narrative:
In XX/XX/2020, I submitted a identity theft report to Equifax in reference to several accounts that were not mine. All of the accounts were removed from my report. On XX/XX/2020 Equifax reinserted account number XXXX XXXX XXXX XXXX XXXX back on to my credit report. On XX/XX/XXXX, I mailed Equifax a letter requesting the removal of the account due to the fact that Equifax had not submitted, in writing to me within the required 5 days that the account was reinserted as required by the FCRA. Equifax received the letter of XXXX XXXX. Equifax then changed the report date again to XX/XX/2020 to account for the missing 5 days. On XXXX XXXX i then received a letter from Equifax dated XXXX XXXX which would still violate the 5 day rule as it states that I was to RECEIVE a letter of notification WITHIN 5 days, not dated within 5 days. As of today, Equifax has not removed the account as they are in direct violation of the FCRA guidelines and I am demanding that the account be removed. All supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
XXXX AND EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX  I XXXX ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: OH

Complaint narrative:
This complaint is regarding the $ XXXX bill from XXXX XXXX at the XXXX , Ohio address on XXXX XXXX XXXX XXXX in 2018. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease.

This did not happen until two months later and now I'm seeing  this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and XXXX XXXX both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the XXXX XXXX and 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 2020-03-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WI

Complaint narrative:
My credit card was stolen by an unauthorized user on XX/XX/2019.  The fraudulent charges added up to XXXX dollars. I claimed my card stolen with discover. I sent in information in XXXX  and never got in contact with discover. On XX/XX/2019 I asked again to have them reopen the case, they still said my charges were fraudulent. They spoke with an officer on my case that I filed with the state for stolen property and identity theft. The officer told them he spoke to the person who I thought stole my card and that the person admitted to stealing it. discover still held me accountable. They officially closed my case on XX/XX/19 as being not fraudulent. I still owe XXXX $ to this company from late/interest fees from fraudulent charges on my account. Ive reopened this case four times, Ive spent countless hours building my own investigation on this case because discover wouldnt help me. Ive spent over 10 hours on the phone with discover. They had me talk to around 8 different people each time. Having me wait on hold for 30 minutes at a time. To all tell me I am responsible for changes I didnt make. They were rude to me each time I was on the phone and kept information from me on the case multiple times. The person who stole my credit card is being carded with a Misdemeanor A. By the state of Wisconsin for stealing my credit card with discover, yet discover still holds me accountable. They used the words removing themselves from the situation because they dont feel its their responsibility I trusted this credit card company at first. They ruined my life, left me broke making payments on fraudulent charges, harassed me, and ruined all trust with credit card companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Consumer Finance Protection Bureau : I am submitting a complaint against Barclays for erroneously holding me responsible for fraudulent charges on my credit card. The attached documentation shows that I was not present in the location where the fraudulent charges were made on the dates they were made. I attempted to resolve the matter directly with Barclays with no success. 
The fraudulent charges totaled {$680.00} and were made between XX/XX/XXXX - XX/XX/XXXX in XXXX, LA. I was not in Louisiana during that time. The attached hotel receipts and credit card statements prove that I was in Texas during the entire date range when the fraudulent activity occurred. 
As I explained in my letter to Barclays dated XX/XX/XXXX, I was working in XXXX XXXX in XXXX but I departed on XX/XX/XXXX, as evidenced in the attached flight records. My Barclays card was lost/stolen during this trip. When I received the Barclays statement, dated XX/XX/XXXX, I immediately called Barclays to notify them of the fraudulent activity. Based on the call, they closed the account, reversed the charges pending an investigation, and sent me a new card. At that point I thought the matter was resolved. 
But in XX/XX/XXXX I received notification from Barclays that their research has indicated that the transaction ( s ) is valid and that they were placing the fraudulent charges back to my account for me to pay. When I called Barclays to ask what the basis was for their decision, they told me I had said in my initial phone call that the card was in my possession. I dont remember saying that. Instead, I remember being unsure where the card was. At the time of the call, I thought the card might be somewhere in my house, but I wasnt sure. Even if I did say what they claim I said, it was an error on my part and disproven the evidence presented. 
After that call, I faxed a letter with supporting evidence to Barclays on XX/XX/XXXX, requesting they reopen the investigating and reverse their previous decision. In early XXXX, I received their reply, dated XX/XX/XXXX, denying my request and notifying me all charges were my responsibility. 
Having been unable to satisfactorily resolve the matter directly with XXXX, Im making this complaint with the CFPB. 
Thank you, 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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer {$210.00} from my Capital One account to my XXXX XXXX  XXXX account. However, instead of the requested {$210.00}, Capital One doubled the transfer, withdrawing a totaling {$430.00} from my account. When I went to review my XXXX XXXX  XXXX account, I saw that only {$210.00} was transferred. I contacted Capital One to inquire about the mishap and was informed that XXXX erroneously authorized my card twice for the same amount. On XX/XX/XXXX, Capital One provided me a temporary credit of {$210.00} pending its investigation. This made me whole. 

Subsequently, however, on XX/XX/XXXX, XXXX arbitrarily removed {$210.00} from my XXXX XXXX  XXXX  account without any explanation. This put me back at - {$210.00}!. When I contacted XXXX  to find out why MY money was removed, I was told it did so because Capital One initiated an investigation and that the {$210.00} was reimbursed to them. I then contacted Capital One to find out the whereabouts of MY money, and it stated it could not provide me any information because the investigation was still ongoing. Becoming increasing frustrated, I contacted the XXXX  XXXX  XXXX  hoping it could help in getting MY money returned to me. On XX/XX/XXXX, XXXX responded to my XXXX  complaint simply stating that XXXX  XXXX   XXXX  services and features are facilitated through XXXX XXXX   XXXX. XXXX further stated it considers the matter closed. On XX/XX/XXXX, Capital One responded to my XXXX  complaint simply advising me that it had up to 90 days to investigate my claim. Two days later, on XX/XX/XXXX, Capital One sent me an email stating only that it " finished investigating my dispute, that any temporary credits deposited into my account are now permanent, and that my dispute has been resolved. '' However, neither response has been helpful because neither XXXX nor Capital One has provided me any findings or conclusions. Most importantly, since XXXX removed {$210.00} from my account to [ allegedly ] reimburse Capital One, I am still out {$210.00}. 

I have contacted XXXX  and Capital One several times since, and as of XX/XX/XXXX, I still have not had MY money returned to me OR an any explanation whatsoever regarding what happened to MY money. I am hoping your office can help or provide me some information as to how I can get MY money returned from either Capital One or XXXX XXXX XXXX. I find it disheartening that, in XXXX, a financial institution can arbitrarily remove money from an account without any explanation whatsoever!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: PROFESSIONAL BUSINESS BUREAU INC
State: OH

Complaint narrative:
I signed for a bond for my husband. Three months after I signed the bond we moved to another address. I informed the bond company of the address change as soon as I moved. He then went on the run. We were separated at the time of him being on the run. When I was made aware of him missing court, I called the bond company and made arrangements to bring him into the bond agency. I turned him in as agreed. The bond was then rewritten in someone else 's name. I was never told about any money is due. I started clearing up my credit and notices the debt on my report for the amount of {$2100.00}. I then contacted both the collection agency and the bond company to resolve the matter. I was told that information was sent to my old address and I missed the timeline to keep it from going to collections. I was told the total debt owed was a reduction and never given an amount of the original debt. I then contacted legal-aide and was told to request a copy of the invoices for the debt that I allegedly owed. I received a response saying that they don't do a formal invoice. The bond company sent me the paperwork that they said they sent to the old address. The paperwork had many different amounts on it. I then contacted the collection agency and told them that the information given to them was incorrect. The collection company requested the same information and was given different documents. They were given a canceled check with the amount of {$3300.00} with only my husband 's name on it. Another red flag about the debt. I have been trying to get someone to listen to me on why I don't owe this debt. The paperwork is all fraudulent. I turned him in as agreed.

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