vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2020, I saw a member of a watch forum listed a watch for sale at at online forum. 

I reached out to him through the email, and received instruction to pay him at an account also at Chase bank, so I wired him XXXX dollars. I did not notice that the account owner 's name was different at the time - his email name was XXXX XXXX and his bank account name was XXXX XXXX ( these are likely fake names, see below ). 

Later that day however, I researched more into the seller and realize he goes by a different name on XXXX. So I reached out to him through XXXX, and the real owner of the account confirmed that this was not him and his watchnet account was hacked. He never owned the email address in question, this was created by the scammer. 

I reached out to Chase, and they initiated a wire recall request. However, they say that they can not do anything without the other party 's communication, which is unlikely because they're scamming me and advised me to contact law enforcement. My banker also informed me that the scammer 's Chase bank account was very recently created, likely with fake credidentials. 

A week later, Chase closed the investigation since the other party did not respond. My banker advised me to reopen the case, which I did. However, it has been a month and I have not heard back from Chase. I tried calling the bank phone numbers I was given but could not reach anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has arbitrarily closed our branch in rural California claiming Coronavirus issues. Every other bank branch in our town ( XXXX, XXXX XXXX and XXXX branches ) simply added plexiglas barriers quickly and remain open. Our branch assistant manager has no timetable to give us for re opening, no further information on when adjustments can be made to reopen and offers us three alternatives to branches a half hour away. Travel in these times is possible for a few days but longer term it appears the bank is unwilling to make the changes other institutions took in hand am managed swiftly. This has apparently happened on many communities and Chase should have to account for itself. ATM Banking should not be forced on any community when a viable branch can be maintained. If this is cost cutting and the branch will remain closed then its customers should be promptly advised so they may make other arrangements. We reside in XXXX CA and have discussed this with XXXX XXXX. Nothing other than get a debit card and go to other branches was offered by way of information. We find this unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit card was paid in full. It is current and I want it out to current and. Not have negative on my credit report. They got there money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: IL

Complaint narrative:
the company is reporting fraudulent information on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the date of XX/XX/20 I was scammed of exactly {$1300.00} and I immediately called my bank Wells Fargo. I called the claim assistance center and the first banker who talked to me assured me that my funds would be resolved within 10 business days. I had confidence in my bank that they would return my money because of the reassurance that the banker reinforced with me. I then received three letters after from the bank. The last letter stated that they closed the claim and that they would not take further action to resolve my funds. I then called the bank to talk about my case to a banker after discovering of my result of the case and they said that they would not help me whatsoever.

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 2020-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have had issues with debt collection attempts by several companies, Commonwealth being one of them. These issues always involve the same creditor, XXXX XXXX Hospital for small amounts of money. I do not owe XXXX XXXX Hospital any money. I have never owed XXXX XXXX Hospital any money. One or both of the computer systems keep reporting or re-reporting supposed past due amounts which have been collected or adjusted. Every collection entry is not a valid line item. 

I spend time montioring my accounts because these issues seem to arise quite often and out of nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I raised a dispute regarding the transaction of {$1000.00} and this was regarding a bed I purchased from XXXX XXXX  store in XXXX on XX/XX/XXXX, I did try to contact the store severa times but they are not wiling to replace the bed or give me a credit regarding this transaction. The Bed is filled with Bugs and is not usable. 

When I raised the dispute I was told that I the dispute will be resolved in 10 business days, and its been more than 10 business days and the dispute is not resolved yet.

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 2020-04-29 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:
I have contacted the creditors below and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: IL

Complaint narrative:
the company is reporting fraudulent information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: IL

Complaint narrative:
the company is reporting fraudulent information on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I got a derogatory mark on my XXXX  and XXXX  credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without know knowledge of this account. I've proof of account showing deleted and reappearing. 

CAINE & WEINER COMPANY INC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$63.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account was set up by my soon to be ex-husband without my consent. He has everything going to him. I need to get the username/email and password updated along with any other personal information used to log into my account.

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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed these accounts multiple times. Ive filed a police report and filed complaints with the FTC. Experian has been extremely negligent in investigating this issue thoroughly. Experian has admitted that they receive all furnishings from XXXX. XXXX has investigated and and have found the inaccuracies placed on my report and have swiftly acted in removing the inaccuracies. Experian should do the same

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 2020-04-29 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND USED THE CREDIT CARD FOR THEIR BENEFIT, THE CHARGES AND THE CARDS ARE FRAUDULENT. I DON'T KNOW HOW TO REMOVE THESE FRAUDUELENT ACCOUNTS FROM 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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT AND THE THE CREDIT CARDS OPENED UNDER MY NAME ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARDS. THE CHARGES AND THE CARDS ARE FRAUDULENT. I HAVE NO IDEA WHO STOLE, Y INFORMATION AND OR WHERE THE CHARGES WERE MADE. I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSIONS OFFICE AND MY LOCAL POLICE DEPARTMENT. I DONT KNOW HAT ELSE I NEED TO DO TO PROVE MY INNOCENSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Sequium Asset Solutions is trying to collect a debt from XXXX which has been paid. They have violated the FDCPA by refusing to send any documentation which and an actual notice of their attempt to collect a debt. Even though they are calling from XXXX, Georgia they are spoofing number to make them appear local. Apparently, according to the internet they have a long history of violations. This is regarding an account for XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: CO

Complaint narrative:
On XX/XX/2016, I noticed on my credit report that it indicated that XXXX had a negative collection on my report from Allied Collection Services from the XXXX XXXX XXXX in XXXX XXXX for {$310.00}. I've never been or have stayed at the XXXX XXXX. I've disputed the collection, but XXXX  responded and said the information was accurate. I never received any collection notice in the mail stating such collection. I would like to resolve this issue and have it removed from 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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY HTEFT REPORT AND I DON'T KNOW WHO BUT SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD AND MADE FRAUDULENT CHARGES. I HAVE REACHED OUT TO ALL THE BUREAUS I HAVE SENT THEM MY IDENTITY THEFT 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 2020-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to link my bank account to add money for savings

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BBVA FINANCIAL CORPORATION
State: LA

Complaint narrative:
I sent money to someone nearly three weeks ago. The money was not claimed. The bank advertises that it will be sent back to me after 14 days that has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: TX

Complaint narrative:
Filing this for non-compliance of the credit bureau to remove this inaccurate information off my credit report. I have already sent letters to have the investigate this information in which thy completely ignored.

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 2020-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Financial Assistance Inc
State: TX

Complaint narrative:
I contacted this office asking them to verify a debt - In return i received a letter stating that they have obtained a judgement against me in the amount of XXXX WHICH WAS MORE THAN THE ORIGINAL AMOUNT THEY CLAIMED TO COLLECT- I looked up the case number that they included in the letter ( Case # XXXX ) nothing in the state of Washington came up and i called all the courts to verify this information and nothing came up - they threatened me by stating they have obtained a judgement against me which the FDCPA, debt collectors are not allowed to threaten to seize, garnish, attach, or sell your property or your wages unless they are permitted by law to do it and intend to do This letter was dated XX/XX/2018 XXXX  was the one that sign this letter The letter stated that they have post judgement " Remedies '' available to them as follows : Garnishment of Wages Attached of Personal Property e.g Auto loans Liens against Property I have a copy of this letter signed by XXXX and below it stated CC : Legal file Attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am trying to connect my pnc bank account to XXXX. I am consistently failing to connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am trying to establish a account connection for funds transfer from SEC registered XXXX XXXX XXXX and PNC Bank , National Association. PNC has been been non responsive in fixing the issue of allowing my XXXX Account to request fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I was a few days behind on personal loan due to unprecedented effects from Covid crisis. Upgrade promised that they would not charge a late fee during this period. I am not behind with payments however since I was few days late making my monthly payment they have charged me {$10.00} late fee. I have spoken to at least 3 clueless associates and they insist that they can not and will not reverse the {$10.00} fee. It is {$10.00} guys. We are in the middle of an unprecedented crisis. You promised me numerous times that you will not charge a late fee. Come one, you are the XXXX  of XXXX  for your actions. Shame on you Upgrade. You lost a good customer for {$10.00}. I am not even late and in fact ahead of schedule. You are lucky that I care about my credit and trying to payoff this loan as soon as possible to never have to deal with you again. I hope your company wakes up before its too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: PA

Complaint narrative:
On XXXX XXXX i deposit a check through the drive threw. {$1300.00} and XX/XX/XXXX through mobile app, i deposit {$1300.00}. on XX/XX/XXXX, key transfer a automatic {$1000.00} to my XXXX XXXX account. XX/XX/XXXX check for {$1300.00} was a charge back. ( which I didn't find out about until XX/XX/XXXX. ) XX/XX/XXXX {$300.00} transferred to my XXXX account. XX/XX/XXXX XXXX overdraft fee charged me 2 times. XXXX  XXXX XXXX returned item charges 2 ntimes XXXX XXXX XXXX charge back fee. XX/XX/XXXX I deposit money back into the account. Spoke with a key employee at the 1800 number and local branch. Both said they could do nothing. and coulld not gaurentee anymore charges would be charged to my account. I was told to call local manager on tues XX/XX/XXXX. I did and she couldn't help me either. I asked For just no double charges and she said no. 1 key bank - this isn't the first time I recieved charges when I don't believe it was my fault. I was scamed this time with a myster shpopper scam. 2 mystery shopper scam. thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
On XX/XX/2020 my XXXX XXXX account was compromised and this resulted in my XXXX account being charged. When I went to dispute the charge to Wells Fargo I noticed there wasnt an option to do so. Due to me not using my Wells Fargo account any more the balance was {$0.00} and this charge caused an over draft.

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