vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank - Fraudulent Transaction. 

During a stay at a hotel in New York, I used my laptop connected to the hotels wifi to log into my Chase online bank account to pay a bill. I used an online bill payment feature to have a {$65.00} check sent. To the best of my recollection, this was late in the evening  of Thursday, XX/XX/2019. 

The following Monday, XX/XX/2019, while doing my expense report from my business trip, I accessed my account again and saw an additional transaction, XXXX  with XXXX payment to XXXX XXXX in the amount of {$1800.00} had posted to my account on Friday, XX/XX/XXXX, in addition to the {$65.00} check I had logged in to send. I immediately called Chase to report this transaction as fraudulent as it was not authorized by nor initiate by me. They opened an investigation and temporarily refunded the {$1800.00}. I also called the hotel to let them know this appeared to have happened on their wifi network. 

I additionally visited a Chase bank branch as instructed by the phone representative to close the old accounts and open new replacement accounts. A few days later after the {$65.00} check cleared the old account, Chase closed both my old checking and savings account. 

On Monday, XX/XX/XXXX, I learned that Chase had denied my fraud claim and they withdrew the {$1800.00} temporary refund. Upon calling, and visiting a bank branch immediately, I was told that the denial was a final determination and I have no further recourse with Chase to appeal their conclusion or request a more in-depth investigation. Chases investigators never contacted me, nor did they request any additional information or a signed statement beyond the information I gave the phone representative during my initial call on XX/XX/XXXX. 

Chase will only share general details with me as to their determination that it was an authorized transaction. They say that there were no fraud triggers ( i.e. failed sign-in attempts ) and that it appears to them that my authorized device was used for this transaction. They wont confirm to me if this was determined based on the IP address that initiated the transaction. 

Upon receiving Chases denial, and their refusal to reopen the claim, I did some research on XX/XX/XXXX and found the news article below, detailing a known fraud scheme involving another Chase/XXXX transaction. Tech expert XXXX XXXX at XXXX XXXX said it's happening to people across the country. Hackers have found ways to remotely access a consumers ' account from a customers ' IP address and send money to themselves in a matter of minutes. 

Full article linked here : https : XXXX I would appear to have fallen victim to this method. Chase clearly knows this method of hacking ( this news story is about a Chase account holder ) and is refusing to reconsider their determination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This Macy Charge card still shows on my 3 credit reports. This Macy Charge card has pass it statue limitation to show on my 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 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Debt collectors at Iq Data International Inc. called from XXXX. They called my employer multiple times back-to-back and disclosed to my employers that they were collecting a debt. They also disclosed that they were looking for my husband. This was for a medical bill after being screwed by covered California. Trust me, if i could pay it I would. They did not need to disclose my debt to my employers. When I tried to talk to them they were extremely rude and combative. This is wrong and unnecessarily caused severe humiliation and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is incorrectly reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) This late occurred after the account was closed. This is not reporting on XXXX or XXXX. This incorrect reporting is harming my credit score. Please delete this line item 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 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
Account Name : DISCOVER FIN SVCS LLC Charge : {$1300.00} Date : XX/XX/2016 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving an account fraudulently opened. Somehow they veried the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please include all names and contact information of employees that you spoke to as part of this investigation. 
I have sent several times my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS. FOLLOW UP I CONTACT XXXX XXXX XXXX. THEY TOLD ME THEY HAS KNOWLEDGE OF NO ACCOUNT AT ALL. THIS NOT XXXX XXXX XXXX ISSUE, THIS A MIDLAND FUNDING YOU GUY 'S ARE THE ONE 'S REPORTING THIS ACCOUNT ON MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently I contacted a Kohls representative for the balance due on my account so I could pay it off in full and close the account. I paid the total amount due that I was quoted and consequently closed the account. Kohls partial account number XXXX - is now incorrectly reporting late payments on my credit report for XXXX, XXXX of 30 days late and XXXX, XXXX of 60 days late. Kohls is reporting a current balance of {$2.00}. ( Please see the attached pages from my credit report. ) I had no idea that there was any remaining balance, nor should there have been, since I paid the total amount owed and closed this account. The late payment history has recently appeared on my credit report. I called Kohls and asked the representative I spoke with to please resolve their accounting error and to also request they contact XXXX  ; XXXX and XXXX to correct the reporting error. I have not been able to make any progress. I originally opened this account in XXXX and have had a stellar payment history. I request that Kohls report a {$0.00} balance and {$0.00} past due on this line item. There should not be any balance due on this account. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I refinanced a student loan that was serviced by Firstmark Services ( " Firstmark ''  ) with a new refinance loan ( the " Refinance Loan '' ) serviced by XXXX XXXX XXXX ( " XXXX '' ). The Refinance Loan was disbursed on XX/XX/2019 in the amount of {$84000.00}. On that date, the balance of my existing student loan was {$78000.00}, which led to an overpayment when the Refinance Loan was disbursed. I've been informed by Firstmark that a check ( # XXXX ) in the amount of {$5100.00} was sent to XXXX on XX/XX/2019. As of XX/XX/2019, XXXX claims they have not received it and can not tell me how long it would take to process said check if and when they receive it. Since XX/XX/2019 I have made multiple calls to both loan servicers and am not receiving proper guidance or assistance by either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I can tell from the reply and closure of my prior complaint that AMEX did NOT read the full complaint. I fully EXPECT a callback, not a slack jaw half attempt to shove off responsibility AGAIN. 
AMEX somehow added another users bank account data into my account, so when I made a payment ( 3 times ) it was coming from their account. This happened a few months ago as well and I Called in time to have AMEX cancel the transaction, delete the account and make things right. I made a payment and it was fine. So thinking AMEX couldn't possibly screw this up AGAIN, I just kept making payments until I noticed the problem with a XXXX payment. on further research, it was found a total of 3 payments were mishandled. 
All AMEX wants to do it claim I added this other person account ( which is impossible without the whole account number which I could only see the last 4 numbers ) rather than accept they must have a flaw in their data. 
Working in XXXX XXXX for nearly 20 years, I am ready to tell my industry about this openly and let them know the only explanation is a data breach. 
Also, long story short, the bank put me in touch with the person that the account belonged to ( since AMEX chat told me this person 's name ... a privacy breach now ) and She is willing to join a lawsuit with me if it comes to that for mishandling her data. 
So shall we resolve this or let the world know? 
Again, I EXPECT a phone call. Final notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have a mortgage with LoanCare Servicing. I have been on electronic statements and records for a long time. Over the last few weeks I have been unable to access my online account, and therefore can not access statements and other information vital to the process of escrow for a new home. Several times I have waited on hold for very long periods trying to get LoanCare to fix this. Each time I am told they will call me back " in a few days ''. I never receive the call. My attempts to resolve this via email have not been successful. 

LoanCare is harming my ability to obtain a new loan, see the status of my existing account and manage any account aspects. They have also been very rude each time I have discussed this issue with them. 

LoanCare Servicing XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ

Complaint narrative:
This is a complaint against Virtuoso Sourcing Group, this company is constantly calling, has not proven that they have a right to collect on the debt, will not tell me who they represent, i have asked them to send a letter, I want them to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This is a complaint against Wells Fargo Bank, N.A. XXXX, CA and XXXX XXXX XXXX XXXX XXXX, XXXX, NE who has registered XXXX XXXX a credit card processor, as an Independent Sales Organization, that failed to credit my business account XXXX XXXX located in XXXX, Georgia for six days batch settlements from XXXX, XXXX, and XX/XX/2018. Batch settlements were not credited because XXXX XXXX equipment failed to send settlement credit for the days sales on six separate occasions. The total amount due me for settlement credit is {$1400.00}. I have the signed card receipts to support the claim for missing batch settlement credits, copies of which were sent timely to techs at the XXXX XXXX settlement processor, XXXX in order to obtain keyed settlement for credit to my account, which never happened. 

XX/XX/2018, {$350.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$280.00} ; XXXX XXXX, {$320.00} ; XX/XX/2018, {$150.00} ; XX/XX/2018, {$160.00}. Additionally {$45.00} in tip adjustments for XX/XX/XXXX when the replacement Central Payment XXXX   machine showed adjustments not allowed and the reported tips were not keyed in. 

Please be informed that my attempt to get settlement was, in all cases, timely and persistent with XXXX XXXX, Merchant Representative and several of the customer service techs at XXXX, which is the financial processor for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
The call comes in as Fifth Third Bank. After receiving a zillion calls from XXXX, I blocked the calls and turned them in to the DoNotCall registry. They are coming in early morning, late night and even on Saturday and Sunday. So I finally called the number on XX/XX/2019. The first thing they do is ask for personal information. I told them I don't have or have never had an account with Fifth Third. They continue to try and get my social security number and I refuse. If I even had the debt, they should have that information. I received no more calls on XX/XX/XXXX after asking them to remove my number from their data base and to not call me anymore. Today, XX/XX/2019, they are calling again but with a different number, XXXX ( XXXX XXXX and XXXX XXXX )!!!!! 

This is annoying to say the least. They don't bother to leave a message. Just calls and hang-ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: AL

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX, I received a legal settlement of approximately {$56000.00} that was deposited into my Bank of America checking account. It was from a XXXXage discrimination case due to me having XXXX XXXX. Bank of America immediately debited approximately {$23000.00} from that account to pay the entire balance on my XXXX Visa card that was on a payment plan. No communication happened from Bank of America prior. 

Bank of America claims I personally secured the corporate Visa Platinum card, and accessed my Social Security number from my personal account. I would NOT personally secure it to the extent such would be like a personal loan, secured by my checking account. My corp. had a FEIN number that is most likely what I used. Otherwise, why have a corporation. And why would Bank of America give me a platinum card with a $ XXXX limit had my credit score not justified it. 

My neighbor is a XXXX XXXX bank auditor, and stated what B of A did to me was illegal.

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 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PULL MY CREDIT REPORTS SEEN THIS DEBT ON MY REPORTS. DEBT IS NOT MINE, HAVE NO KOWLEDGE OF THIS DEBT. IF THIS COLLECTTION COMPANY CAN NOT PROVIDE ME THE ORIGINAL IFORMATION ABOUT THIS DEBT OR ACCOUNT. THIS DEBT SHOULD BE DELETE FROM ALL 3 MAJOR CREDIT BUEAURS. THANKS

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 2019-06-04 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: AL

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, USDOE/XXXX, US DEPT ED, XXXX, USDOEXXXX, XXXX/XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-04 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: AL

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying a handbag and one of the sales representatives persuaded me to sign up for a store card. It was crazy I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. Ive contacted the FTC and the police. Im doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
The company sends texts and emails multiple times a day. I assume they are trying to call but they use shady phone number spoofing tactics. 

I have asked them to stop contacting and harassing me and they just ignore the requests repeatedly. I attempted to tell them I refuse to pay and still constant contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: TN

Complaint narrative:
My wife and I have applied for several rental homes. We paid the property management a background fee. After applying for three homes we inquired why are we being turned down. I found out that they are putting everyone in the US that has my first and last name and with my date of birth on rental record. They did not verify social security, middle name or initial. I feel I have been discriminated due to my race and the fact that I have a common name. I do not have anything criminal on my background nor have every been arrested or have been on any XXXX XXXX  list.

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