vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019, I met with Detective XXXX XXXX, at the criminal Investigation Division of the XXXX XXXX XXXX  Police Department, wishing to report the theft of a XXXX XXXX that she mailed using USPS.

The Money Order is now deposit on a bank account at JP MORGAN CHASE. 
RT # XXXX. 

I have a copy of the deposited image of the XXXX XXXX and it was clearly altered by the client making the deposit. The name on the money order now is XXXX XXXX with my name still printed on the document. 

I would like to get my money back as soon as possible, since this person stole the XXXX XXXX from a USPS mail box and altered the document, making this case a FRAUD AND STOLEN money order case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA
State: CA

Complaint narrative:
I originally had t

o take out two loans from a lender called LENDING USA. One was to help cover funeral expenses and the other was medical. - BOTH OF THESE LOANS WERE PAID IN FULL But because of  tragedy ; death, XXXX XXXX, theft and vandalism to my personal property important personal documents were lost. I was almost hospitalized for a XXXX XXXX. 
In XXXX the attorneys handling the XXXX fire asked me to review ALL costs that may have associated with the fire. And in doing this exercise with my two banks ( XXXX and XXXX XXXX XXXX XXXX ) it was discovered that there were some strange charges on my accounts. 
1. They read as " PRIVATE PAYMENT '' 2. Both banks launched an investigation 3. They both came up with this information : XXXX XXXX. XXXX ( XXXX ) 4. I had NEVER heard of or done business with this bank 5. The phone number lead to a nursing home 6. Both XXXX and the Credit union exhausted their search to deem this charges as correct and declared them fraudulent 7. These two banks retracted the funds A few months ago I started getting collection  letters from a company called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX, ( XXXX ). And since then the harassment has begun. 
Realizing what had happened in all of the tragedy and despair I was dealing with, not to mention the hardships brought on by the pandemic, I reached out to LENDING USA. Initially, I couldn't get a hold of anyone. Then I was placed on hold for hours at a time. When I finally spoke to someone they referred me to the head of Collections  named XXXX ( XXXX ). 
Unfortunately, this call went wrong very fast. Already ill and hurt by what I've gone through, I tried to explain to him what had happened. He proceeded to chastise me about " why didn't I call them if I was falling behind, '' and I said BECAUSE I WASN'T BEHIND -- THESE TWO NOTES WERE PAID OFF! But he was ignoring that fact. He kept using threats of recording our conversation ... all in all we got  absolutely nowhere except to reduce me to tears. This XXXX XXXX said he would ask his boss about retracting the loans from XXXX XXXX. He called me a few days later and said his boss told him not to. 
You at the CFPB really have no idea of the kind of abuse companies like this put people through. Why did LENDING USA submit for payment something called " private payment? '' And to top that off it was untraceable! 
This whole thing could have been resolved when I spoke to XXXX, but he preferred to speak to me like a second class citizen, accuse me, and incite tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/2020I sent XXXX XXXX XXXX for a pair of shoes that has never gotten to me. I made this transaction through cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
First for the record I have been with Bank of America since XXXX. Bank of America has placed a {$880000.00} pending hold on my checking account as some sort of fraud review hold or something and they arent willing to fix the situation. This all started on XXXX XXXX. I literal woke up to an account being negative XXXX. Didnt receive any notification, email or any type of alert from BOA.

I immediately drove to the bank and was told that the only way to solve this was to call a number. Ive been calling all the numbers given to me for over 30 days now. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me.

I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it.

The only information the BOA employees can provide is that its on  hold for a loan deposit amount of XXXX from XXXX XXXX on XX/XX/XXXX and that the bank who sent it flagged it as fraud. So I even called XXXX XXXX the other bank who sent the money and they stated they havent not sent them anything and there are no flags on my accounts with them. I even volunteered and provided BOA with documentation supporting the deposit, and that was over a month ago. They did admit they received my email on XX/XX/XXXX. Yet nothing else has changed and Im just out of {$3600.00}. At this point I dont want to bank with them anymore I just want my money 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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX  to have the item removed on several occasions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX no one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they do not do that. 
As for Equifax I have several confirmation number and sent the exact documents that I have attached to this file showing that I do not owe this debt and that the XXXX XXXX has email the collection company to have the item removed from my credit report. The last confirmation number dated XX/XX/XXXX XXXX. I have several confirmation number dating back to XXXX. I am in the process of purchasing a home and this negative information is on my credit report. Equifax can call the physician office to verify as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Lobel financial all of a sudden took away the option to pay by phone or online. I've only made online payments, and I've only been early, I've never been late. They can not give me one reason why they are doing this. Lobel financial is demanding unreasonable ways to make payments with no explanation. This is not fair to the consumer ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it. 

Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under  investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX  ). Apple Card support  could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX  was hacked at the end of XXXX. 

Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit  card statements every month, which is a violation of my privacy. 

Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX  and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In order to prevent Wells Fargo from continuing to avoid answering questions, I will file a complaint for each point separately. 

Wells Fargo did not address the overage that I was told would have happened as a result of making the mortgage payment on XXXX XXXX. I was lead to believe that this overage would occur once the original loan was completely paid off and that XXXX XXXX payment would have been extra. If this was not to be the case, Wells Fargo did not clarify. 

Please tell me where in any of the responses does Well Fargo mention this overage. I have attached the email from XXXX XXXX in previous complaints but Wells Fargo has refused to acknowledge it. Here is what he said on XXXX XX/XX/2020 : XXXX Just wanted to try write out what we were discussing. If you make a payment tonight or tomorrow that payment may process and appear on the XXXX. If so, I can pull a new payoff and have the numbers updated. This would result in your loan amount going down. If the payment does not process until after signing then you would end up receiving a refund for overpayment. 

I spoke with my manager and she did confirm that late charges are assessed on the XXXX and we are not scheduled to disburse until the XXXX. 

If the payment was made on the XXXX as scheduled you would receive a refund for the overpayment because we would not be able to rework numbers prior to closing in this scenario. 

Please let me know if this clears it up and how you intend on proceeding so I can work this correctly for.

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 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
Trying to refinance a home via XXXX XXXX, w

hich I was told would be simple. I am a widow. My husband & I owned the home, but it was financed in his name with a VA loan. When he passed away, the home was then deeded to me. All I wanted to do was lower the rate, which I was explained was not an issue as I receive his retirement benefits. I was told by LOAN DEPOT, after over 60 days of promising a closi ng in a few weeks, that I do not qualify. With no explanation as to why that would be?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CA

Complaint narrative:
I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows Payment History reported  consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color.

Experian must now remove the item for reporting inaccurate  information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2020-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Consumer portfolio service is leaving my mom voicemails stating they want to repo my car. His name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I sold my XXXX on XX/XX/2020 with Visonary title. The title company send wire transfer of XXXX $ to my account at Synchrony Bank ( high yield saving account ). The title company missed spelled my name, and Synchrony bank rejected the wire transfer. 

However, the title company which they have account with XXXX XXXX XXXX never received the money. Every time we call Synchrony Bank, and one of the representatives gave me different information. I had spoken to mangers and supervisor at Synchrony Bank, every time they said the money never reached us, and we rejected the wire. 
First Call they said we have to send the back in same way using the same IMAD number. 
2nd call they said the wire will be there in 24 hours 3rd call they said 1 to 2 business days 4th call the manager said her name is XXXX said 2 to 4 business days And many other calls still the title company didnt receive the money, The title company are working closely with XXXX XXXX XXXX, and as of today XX/XX/2020 the money are not received by the title company. 

IMADXXXX

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 monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a complaint with the CFPB asking them to check an account on my credit report for XXXX XXXX. Needless to say that the Bank is concealing that the fact that they have turned over the account with a collections agency. The collections agency responded as XXXX XXXX  and did not identify that the response was coming from a collections agency. I asked XXXX XXXX to send in the dates of delinquency and or to remove the account from my credit report. I was overcharged in a transaction with XXXX XXXX  deemed XXXX. They are still trying to collect on this account with all these problems. The credit Bureaus have yet to step in to determine where the problem is and to fix this issue. I want the payment history and I asked for them. No one has responded yet with this 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 explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
On XXXX XXXX I received notification from XXXX  ( via their mobile app ) that a collection account was placed on my credit report in the amount of {$580.00}. The account allegedly derived from a payday loan with XXXX XXXX. I have previously been in contact with XXXX  XXXX via mail regarding this account. I have explained t oXXXX XXXX on several occasions that this account was not mine and I had no knowledge or responsibility for this account. The account was placed with XXXX XXXX XXXX and was removed from my credit report as the result of a dispute. Debt Recovery Solutions has again placed this account on my credit report and have done so without any prior notice to me of any kind. I have never heard of Debt Recovery Solutions until I received notice of their placement of a collection account on my credit file. I was not given the opportunity to dispute this prior to it being placed on my credit report and that is a blatant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
The platinum card ending has been settled on XX/XX/XXXX to the collection agency Amex has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the Amex is reporting correctly? If you collection agency didnt report to Amex in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your American Express and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and XXXX  that show American Express reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from American Express 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from American Express end. 

XXXX  : Amex Blue Cash & Delta Skymiles account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by Amex representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX  : Amex Blue Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX  's representative today they advised me to check directly with American Express because only Amex could send the update as charge paid in full. 

Amex Delta Skymiles card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by Amex I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I lost my job in XXXX due to the coronavirus and was not able to get unemployment I been filing and calling and appealing my claim but still no money I lost my house and staying with my parents I told this company that and they have a device on the car to stop it with no payment. Do they stop my car I told them that I finally found a temporary job its temp to hire and it starts this Monday XX/XX/XXXX I sent the email and ask please send a signal to my call so I can go sign my paperwork to start they told me Im behind on my note and that they would not be able to send the signal unless I pay XXXX dollars I cried on the phone begging and pleading eith them I told them I didnt have it that my family has helped me since XXXX I can give them XXXX dollars and with my fist check in XXXX I could pay XXXX every two weeks they told me no and the guy XXXX was very rude abs belittling and I ask to speak to the manager XXXX and he told me she was in a meeting and that the information came from her I cried I said please let me talk to her he told me she would call me after the meeting its now XXXX on Friday XX/XX/XXXX I guess shes still in the meeting this is the worst company to get a car from I will never do business with them again I told them to come get the car I have been through too much this year I lost my XXXX to the XXXX  and I lost my XXXX  to XXXX/ the XXXX  I lost my house my job and now my car

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