vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020, I was contacted by a foreign individual alleging to have been working with XXXX and stated that I had a virus on my computer. He then provided me with instructions on how he could assist with the virus on my computer and proceeded to remote into my computer ( I have a computer log to show access on my computer ). He then told me that I would need to purchase gift cards for payment to him for fixing my computer. I then proceeded to go to various stores including XXXX, XXXX and XXXX to purchase gift cards while this individual remained on the phone with me over the course of going from store to store over hours. He deceptively had me purchase gift cards totaling {$14000.00} using my Chase credit card. I was told by the individual that the gift cards were not working so under his insistence, I continuously tried to purchase a gift card that would work, sometimes multiple cards at one store in what I thought was an attempt to find a working gift card. Through the course of all the transactions, i incurred charges of {$14000.00} over the course of a few hours. The man told me I had to stay on the phone and could not hang up. He also told me that some gift cards were not the correct amount and would be refunded back to my credit card. He continuously gave me reasons to keep trying to purchase cards. 

I am elderly and suffer from a XXXX XXXX XXXX, which is well documented in my medical records for several years. I now realize that I was naive to believe this man, but he made me believe that I would be in trouble for not paying for the services he provided to fix my computer. I was scared that I would not be able to pay him. I did not even realize by the end of the day, that I even tried to purchase that amount of gift cards. The man kept telling me the cards were coming up " not redeemable '' every time I tried purchasing a gift card and provided him the number and he told me that my credit card would not be charged since the gift card did not work. 

I filed a police report which I can provide you access to. 

I attempted to dispute the charges with Chase. They first agreed to waive all the charges but then decided to add them back on and charge me for them. They did keep {$500.00} off from XXXX since the XXXX system denied the charge. It wasnt until thousands of dollars was charged to my card that Chase finally declined the transaction. I retained an attorney who attempted to contact them but received no response from Chase. 

I have had years of excellent credit history with Chase and am upset that they would not have blocked my card sooner. If they would have blocked the card and had me call in to remove the block earlier, I would have discovered that these purchases were going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
TO BEGIN THE ARES THAT I HAD TO CHOSE FROM DON'T EXACTLY STATE MY CASE. 






XX/XX/XXXX REALIZED I WAS FINALLY GOING TO GET AN OFFER IN COMPROMISE FROM THE IRS. WENT TO WELLS FARGO ASK TO REFINANCE MY LOAN AND TAKE OUT SOME FUNDS TO PAY THE LARGEST CREDIT CARD BILL WHICH WAS WITH WELLS FARGO THEY SAID NO. I AM XXXX YEARS OLD AND XXXX XXXX  WITH XXXX XXXX. I IMMEDIATELY CONTACTED A XXXX XXXX XXXX TO HELP WITH MY PROBLEM.XXXX XXXX I SIGNED THE IRS OFFER OF COMPROMISE AND HSVE MADE EVERY DETAIL TO PERFECTION. I BEGAN PAYING XXXX  XXXX  XXXX FUNDS ALL I HAD LEFT EACH MONTH AND THEY SAID THEY COULD DEFINATELY HELP ME. THREE OF THE CREDITORS CHOSE NOT TO DISCUSS ME WITH XXXX   XXXX  ON WELLLS FARGE WAS THE LARGEST. AFTER WAITING 5 MONTHS DOING NOTHING TO FIND A RESOLUTION, THEY SUES ME. AS DID XXXX XXXX ON THE OHER TWOBILLS. IN XXXX THE XXXX I THINK. I WENT TO COURT FOR THE XXXX XXXX BILL I ASK FOR A BILL OF PARTICULARS NAD I WAS REGUIRED TO TURN IN MY GROUNDS FOR DEFENSE. WHICH I DID WHEN THE NEW TRAIL DATE CAME WHEN I WENT TO COURT THEY HAD ASK FOR A CONTINUACNE UNTIL XX/XX/XXXX IN XXXX THEY HAD SOME DISCUSSIONS WITH XXXX   XXXX  XXXX. WHEN I WENT TO COURT IN XXXX THEY AK FOR A CONTINUANCE UNTIL XX/XX/XXXX I TOLD THE JUDGE THIS IS NOT FAIR BUT I HAD ASK XXXX WHAT TO DO AND I DID NOT WANT TO BE A PROBLEM. MY MAIN PROBLIM WAS THE REASON THEY USED TO ASK FOR THE CONTINUANCE ( A WITNESS COULD NOT TRAVEL FROM IOWA TO TESTIFY AGAINST ME DUE TO COVID 19. I AM XXXX FROM XXXX XXXX, HAVE XXXX XXXX, HAVE XXXX XXXX XXXX AND PROBLEMS WITH MY XXXX. AND I HAD TO RISK GOING TO COUYRT 4 TIMES TAKING MY LIFE IN MY HANDS AND THEY WILL HAVE A HARD TIME TO EXLAIN WHAT THE WITNESS WOULD TESTIFY TO. ALL THE DOCUMENTS HAD BEEN SUBMITTED TO THE COURT AND I DID SAY THE AMOUNT WAS NOT WHAT I THOUGHT IT SHOULD BE BUT THIS IS A DELIBERATE ATTEMT TO TRY TO SCARE A XXXX  OLD MAN AND TRY NOT TO ATTEMPT TO BE RESONABLE WITH XXXX  XXXX  XXXX. THEY THINK IF I DIE THEY WILL HAVE A BETTER CHANGE WITH MY ESTASTE. THIS IS WRONG WIL NOT BE INTIMIDATED AND I PLAN TO OUT LIVE THEIR DELAYS. AND IF I DON'T I WANT MY ESTASTE TO SHOW WHY THEY SHOULD NOT OWE THWM ANYTHING.WHY DO THEY HAVE NO OBLIGATION TO NOTIFY ME OF THE CHANGES JUST BE CAUSE I CAN NOT AFFORD A LAWYER. IF I COME DOWN WITH COVIS 19 WITHIN THE TWO WEEKS FOLLOWING THE XX/XX/XXXX COURT DATE I WIL SUE THEM FOR ALLOWING IT TO HAPPEN. I KNOW I DON'T TYPE WEEELL AND I AM OLD BUT THEY SHOULD NOT BE ABLE TO ABUSE ME. I STALL SAY THE ORIGINAL DOCUMANT I SIGNED WAS FOR A {$6000.00} LIMIT ON THE CARD AND HOW IT GOT TO {$10000.00} I DO NOTKNOW. I WOULD JUST LIKE TOBE TREATED IFAIR

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 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can not link my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-13 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:
on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I have a conventional mortgage with Specialized Loan Servicing ( SLS ) that  includes an escrow component. I never wanted the escrow component but was lied to my mortgage broker ( XXXX XXXX with XXXX XXXX  ) who told me it was a requirement in Colorado. 

Despite holding thousands of dollars in the escrow account, SLS frequently issues demands for additional escrow funds. If you use auto-pay ( as I presume most people with conventional, fixed rate mortgages do ) you have to adjust the auto-pay amount and submit a separate, additional payment to SLS. 

If you do not meet SLS ' demands right away, they will begin charging late fees. Worse, when they do receive your payment, they will misallocate the funds in such a way to keep your account in arrears so they can charge additional late fees. For example, on my XXXX statement, they claimed a total amount due of {$1800.00} which included {$120.00} in fees and surplus escrow demands. I paid the full {$1800.00} but my XXXX statement showed an " uncollected escrow '' amount of {$23.00} and threatened additional late fees. When I finally got someone from SLS on the phone ( never a simple task ), they claimed the {$23.00} was applied to my principle rather than the escrow account. 

This makes absolutely no sense. By misallocating the money they demanded for my escrow account to my principal they were intentionally manipulating my account to keep it in arrears. If this isn't fraud, I don't know what is.

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 2020-07-13 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: OR

Complaint narrative:
I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

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 2020-07-13 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: OR

Complaint narrative:
I spoke with Dept of edu they advised the Administrative CARES forbearance was applied to my student loan. They advised they reported back to both credit unions in regards to this issue on XX/XX/XXXX it is now XX/XX/XXXX and the 80+ point drop in my credit score has not been corrected. It is hard enough as a women of XXXX to get ahead and an 80+ drop in my score impacts my life greatly. I have worked entirely too hard for a mistake I had nothing to do with having such a negative experience is extremely disheartening. I have since reached out to the credit bureaus but they dont care obviously Im just another number. Theres so much red tape and we dont get the immediate correction deserved. If there is a number I can call to get this worked out ASAP please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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 had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to 2012. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off 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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 and debited my account on XX/XX/20 with the sum of {$8400.00}. due to the check that i received from a customer. the check was never cleared, in addition to unavailable fund, Chase debited the aforementioned amount from my account and refused to release my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXX XXXX in XXXX. 

I called capital one and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see capital one has put late payments on my credit file during this time. 

The entire process I communicated with Capital One. Capital One even put me on a special payment plan during this time. Capital One failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXXXXXX. 

This is unethical. I have written several correspondences, emailed, and called capital one and have received no response to help me with removing these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash XXXX  called in XX/XX/XXXX regarding a loan in my son XXXX XXXX XXXX name. My son is XXXX and has been in XXXX  XXXX  for 12 years. He has no job or bank accounts. This was determined to be fraud on XX/XX/XXXX and XXXX  removed the fraudulent account and fraudulent job ( see attached letter ). 
On XX/XX/XXXX I received a call from a collection agency ( XXXX Account # XXXX ) regarding a XXXX XXXX XXXX ( same dates and same amounts ). I told them it was fraudulent and my son is in XXXX XXXX. They said they would go to the XXXX XXXX XXXXnd take him to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: GA

Complaint narrative:
XX/XX/XXXX- XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, Equifax and XXXX. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXXXXXX XXXX  in XXXX. 

I called XXXX XXXX and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see XXXX XXXX has put late payments on my credit file during this time. 

The entire process I communicated with XXXX XXXX. XXXX XXXX even put me on a special payment plan during this time. XXXX XXXX failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXX 

This is unethical. I have written several correspondences, emailed, and called XXXX XXXX and have received no response to help me with removing these late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During XXXX, OCWEN transitioned servicing of all its mortgages ( including mine ) to PHH Mortgage. 
They shut down access to the OCWEN accounts web site where borrowers would go to get their 1098 forms online. 
I have NOT received my 1098 for XXXX or for XXXX. 
My loan was transferred to PHH Mortgage on XX/XX/XXXX and the 1098 form I received from them does not include any of the mortgage interest paid to OCWEN, so it seems that it is being handled as a " loan servicing acquisition ''. 

I sent a certified letter to OCWEN 's address on my XXXX XXXX to ask for these statements but they have IGNORED the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure

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 2020-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure

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 2020-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please update my credit balance in credit report which I paid in full XXXX/XXXX XXXX account number XXXX ballance {$0.00} Date opened XX/XX/2016

Company response to consumer: Closed with explanation