vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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:
On XX/XX/XXXX, I logged into my online banking profile and saw that {$6300.00} was transferred out of my checking and savings accounts into a bank account that I did not recognize. I immediately spoke to my husband ( joint account holder ), who had no knowledge of the transfer either. I contacted my local branch in XXXX XXXX that same day, went into the branch and was informed that someone had added another party to our accounts, despite the fact that neither my husband nor I had authorized this. This then stolen transferred all of our funds out of this account. I asked them to reverse the transfer and they stated that they couldnt. That same day, I filed a claim with the branch employee and was promised that this would be resolved promptly and that they would return the funds soon. In the meantime, my husband and I were left with no money to pay our bills. I also filed a police report and completed a claim form which I provided to the branch employee. The following week, I called to check the status of my claim, and I was informed that the central office had never received my claim form. I contacted the branch where I had filed the claim and they informed me that the branch employee must have sent it to the wrong area. We resent the form and weeks passed by without any information regarding my claim. Keep in mind, that I was contacting the bank at least once a week ( usually more than once ) for a status update. When I did not receive calls back from the branch manager, I involved the district manager, who ensured me that this would be taken care of and that my funds would be returned promptly. I also asked for information on how this could have happened because in order for the bank to add another holder to a joint account, all parties must be present with identification, and my husband and I obviously did not go the bank to add someone to the accounts. We are also both in possession of our identification so this does not make sense. The bank has refused to provide me with copies of my account records, documents, and/or signature cards and have still not provided any information regarding how something like this could have happened. I also still have not received my funds back despite the fact that 8 weeks have now passed since I filed the claim. Last week, the branch manager assured me that a check would be mailed that week, but I have yet to receive it. Further, the district manager is not responded to my calls or emails regarding a resolution or status update for my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}

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 2020-08-03 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: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

I have accounts such as XXXX, inquires from banks that i did not authorize etc. Hope to hear from somebody soon so that we can get this under control and figured out. Thanks in advance.

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
First on XXXX XXXX I searched up the options regarding Forbereance with my current mortgage with Santander Bank. They told me Im approved for 3 month forbereance explaining me Ill have 3 months without monthly payment that will be all due at the of the forbearance period or they will give me options to Repay. My mortgage will be reported as current to not affect my score during this period. 

Fast forward getting close to the third month, I contact Santander about my repayment options. They asked me if I want to extend my forbereabce period and I declined wanting to start making monthly payments and bring my mortgage back to normal. They gave me a really high repayment option but gave me the option of loan modification telling me Ill have to wait up to 30 days to receive final modification offer, asked me to keep doing my regular monthly payment to avoid any negative reporting on my credit. I did pay the 3rd payment right there only leaving 2 payments towards the modification application and been paying my regular monthly payment waiting on their answer. 

Problem is not only they havent get back to me with the modification amount, but they are sending me collection letters regarding those 2 months that were under the forberebace program and negatively reported my mortgage late those 2 months on my bureau accruing late fees, and a notice of a returned check with fees on it, when I always pay online, I have never sent a check to Santander. I been trying to resolve the issue with Santander and always got the same run around from them, in the mid time Im getting all this tension of having negative marks on my credit while Im Making my regular monthly payment and waiting on their answer. Its pretty frustrating for that works in finance as well previously on the bank and know the level of negligence this bank has in such difficult moment for everybody.

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
This credit card account was paid in full in XX/XX/XXXX in the amount of {$410.00}. On XX/XX/XXXX I unexpectedly had too file a Chapter XXXX Bankruptcy petition and this account had to be included according to my attorney. We later realized that payment has never processed to Wells Fargo for my credit card so the balance was included in my debt consolidation for the next 3-5 years. On XX/XX/XXXX In received notification that Wells Fargo has reported the status of this account as a " charge off/ bad debt '' which resulted in a major decrease in my credit score. According to my Semi-Annual Report from the Chapter XXXX Trustee, the current balance now owed to Wells Fargo is {$22.00}. The amount reported is incorrect and the status and description of the account are completely INACCURATE.I am requesting that this account is deleted or updated.

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 2020-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CT

Complaint narrative:
I never knew about a collection debt owed to AmSher Collections agency. I have never received a letter from this agency verifying that I have owed a debt to them. On XX/XX/XXXX, AmSher reported to all 3 credit bureaus that {$150.00} needed to be paid. When looking at the details on XXXX XXXX it stated that an account on their end was created on XX/XX/XXXX. This debt is supposedly related to internet equipment not being returned to XXXX from XX/XX/XXXX. I have never received any mail sent from this agency verifying this debt to me. Once finding this out I called AmSher asking for a validation letter on multiple occasions. On XX/XX/XXXX, I called Amsher and spoke to there representative XXXX. The representative stated that they did send out a letter to my address. I told the representative I never received anything but representative repeatedly stated that I overlooked my mail and threw it out like most people who don't want to pay their bills. She was mean and honestly rude. I then asked the representative what address they have on file. The agency had parts of the current address in which more information needed to have the correct address to send anything. If you don't have the correct address information how could I have possibly received a letter from them? I updated the address to my current location so a new letter could be sent. XXXX the representative stated she had to ask her manager if this was ok for a validation letter to be sent out. The representative said that the manager said it was ok and that they will be sending one out to me. Three weeks later I still haven't received anything verifying this debt even after calling a few times. These representatives don't write down notes so the next representative can know updated information. I continued to ask the representative more about my supposed account. XXXX the representative told me that the agency had this debt before XX/XX/XXXX, lingering in their office waiting for a response from me. Like I have repeated above I have never received anything from this agency. This agency knew about this debt long before it was reported to the credit bureaus and allowed it to not be paid or communicated to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I prepaid for a month of classes ( 5 sessions- {$110.00} ) on XX/XX/2020 using a capital one business card. The business was forced to close part way through the month for covid 19 by government order and I was unable to get 3 of the classes I paid for. 

I initially requested a partial return of my payment ( 3/5ths, {$70.00} ) from the company but they stalled and ultimately refused. I next turned to my credit card company for a chargeback for services not received. After a month Capital One sided with the merchant since the merchant had a 'no refund ' policy in terms and agreements they supplied to capital one as justification. I appealed, arguing that I didn't want a refund ( which by definition requires a product/service to have been received by XXXX XXXX ), I wanted the portion back for services not received which is clearly spelled out in the credit card agreement that I am protected against. They still sided with the merchant ( listing a failure to receive documents but unclear what documents they require beyond their own credit card agreement and a dictionary ). I attempted to mediate through the XXXX as well without success so now I turn to the CFB to assist with getting capital one to honor the terms of consumer protection for services not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit My Rent Inc
State: FL

Complaint narrative:
Paid for services with credit my rent on XX/XX/XXXX. After a few weeks of no update I sent an email and was got a respond and was they just received my file and she was working on it. In XXXX I asked for another update and was told they were behind due to COVID. So i sent several emails to cancel the service and requested a refund. Each week Im begin hung up on and told its being processed and still havent gotten it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. 

XXXX XXXX Opened XX/XX/18 Amount Owed {$310.00} account number XXXX XXXX XXXX XXXX Account # XXXX Amount Owed {$810.00} XXXX XXXX XXXX Account # XXXX Amount Owed {$790.00}

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 2020-08-03 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: OH

Complaint narrative:
The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX   {$220.00}

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 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc.
State: AZ

Complaint narrative:
Today XX/XX/2020 i recieved a bill from Business Revenue Systems ( colection agency ) stating that XXXX XXXX XXXX sent my bill {$45.00} to collection. They sent a bill to collections for a service I never received. I never heard of this company, and I HAVE NEVER EVER recieved a services, nor any bill prior to this " collection ''. I looked at XXXX XXXX XXXX web siteand it looks like it is a scam and many people are experiencing the same based on the reviews. I want this company to stop sending me any correspondence, and to leave me alone. I WILL ALSO FILE A COMPLAIN WITH A XXXX. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
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 2020-08-04 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: NY

Complaint narrative:
I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
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