vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We purchased a puppy from a man in Texas on XX/XX/XXXX via the internet, we had contact through email. We live in Indiana, and he was supposed to ship the puppy to us the next day through ( XXXX XXXX   ) which is also a scam website and company. We paid {$740.00} to the man and that included the shipping fees, we XXXX 'd the money through our Chase account to the man and never received our product because he was a scammer. The next day the " shipping company '' tried to scam more money out of us. The man has since removed his website, XXXX. & the shipping company website is still up. But We thought we were covered by our bank since this was through our Chase account. We have called chase and XXXX and chase says that we are basically out the money bc they do not provide protection on funds sent to the other party since we authorized the transaction and they do not offer protection on money sent through XXXX. Had we paid with our debit card or a check they could refund the money. Mind you this is an app that is tied to chase and our bank account. I'm unsure of how to proceed. Chase wouldn't even make a claim for fraud from us bc it was through XXXX, XXXX made a claim but said we more than likely won't be refunded bc they also offer no fraud protection but am investigation team would look into it and send the claim over to Chase. I'm at a loss on how chase promotes an app that sends money through accounts but can not travel where it goes. The whole situation is unfortunate and I don't know what to do next or who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Someone open and account in my name charged the max and then never paid. 

The account was opened XX/XX/XXXX by SYNCB/PPC the credit limit is {$3000.00} the high balance was {$3200.00} says the last payment made was XX/XX/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 2020-05-13 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am writing to you today to bring to your attention an incident that took place with a Chase representative in XXXX of 2018. I called into Chase to discuss unauthorized charges on the account. When I went into detail with the representative, he told me to be more responsible with spending. The conversation went downhill quickly, the purpose of the call was to freeze the account and launch an investigation but after the call I was notified of a credit line increase. This gave me chills, not only did the account not get frozen, the unauthorized charges could be even more damaging with the increased credit line. No doubt this occurred out of spite with the Chase rep. I immediately cancelled autopay and blocked any payment to Chase through my bank, at this point I was literally fearful of this rouge representative. As soon as I finished up with my bank, I then called back and discussed the incident with a supervisor who assured me that they would review the call recordings and reverse the increase. 

The account has since been closed and charged off ; this does sadden me as I had previously maintained a 10+ year account with Chase always in good standing. I have recently received a letter from XXXX XXXX XXXX XXXX offering to settle the account. I am willing to settle the account with the agreement from Chase that they will delete from the credit bureau. The situation WE are in is due in part to the rogue agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America accepted two years old check which was also a duplicate transaction. Money was deducted from my account two times for this check, first time on XX/XX/XXXX and again on XX/XX/XXXX. 
This is how it happened, I got activity alert for my account. I verified my account and found a check was deposited so I contacted bank on XX/XX/XXXX. Their Customer Support Representative gave me check number and the date that was written on it. I started verifying my bank statements for that date and found what happened. This transaction initially shown as " processing check '' in my account but they removed this entry on same day. They credited amount now and it is showing as " Credit adjustment request honored ''. 
I wanted to complain the following : 1. They are not supposed to accept more than 6 months old check but they did. 
2. Check should be verified before accepting it, seems it was not happened.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I disputed XXXX XXXX opened XX/XX/XXXX amount {$750.00} and Bridgecrest date opened XX/XX/XXXX amount {$11000.00} both XX/XX/XXXX and XX/XX/XXXX. I included a notarized FTC report to both companies as well as credit bureaus and the accounts have not been removed. These accounts are not mine and was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I CLEARLY EXPLAINED ABOUT MISTAKE BEING MADE BY THE BANKER, GETTING A PARTIAL PAYMENT OF WHAT HE WANTED INSTEAD OF " THE FULL PAYMENT AS I REQUESTED '' JUST AFTER I MENTIONED TO HIM THAT I NEED TO HAVE MY ACCOUNT CURRENT BECAUSE IT WAS ON ASSUMPTION PROCESS. 

HOW HARD IS TO UNDERSTAND THAT PART??????? 
MISTAKE THAT AFTER I CONTACTED BACK OTHER BANKER APOLOGIZED ABOUT IT AND TOOK THE EXACT AMOUNT THAT WAS MISSING BY ACCIDENT AS HE MENTIONED BECAUSE I ASKED HIM TO CHECK THE CALL RECORDED. 
*HE ALSO PROMISED THAT IT WON'T AFFECT ANYTHING TO MY ACCOUNT BECAUSE HE MADE A NOTE ABOUT THAT PREVIOUS MISTAKE. 

I'M ATTACHING A DOCUMENT WITH MY NOTES AND NOT MAKING A BIG DEAL. 
PLEASE CHECK ON THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXt XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I got sick in XXXX, since then I've had XXXX XXXX  XXXX XXXX, XXXX XXXX   and countless XXXX XXXX and XXXX XXXX which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from capitol one, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my XXXX or XXXX. I called capitol one and explained this to them after my XXXX XXXX, they told me to send in my proof of XXXX I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one  of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I applied to have my my mortgage modified in XX/XX/2019. I have sent all my documentation, tax returns, bank statements, P & Ls, deeds, leases, and more and still do not have an answer on the modification 8 months later. 

I feel the ACT the president approved was to give us the ability to modify our loans to make them more affordable, but Select Portfolio Servicing isn't affording me that right. They have every single document they need, and they just keep requesting updated documents because another month has passed prior to them getting around to looking at the docs I send. It is a never ending hamster wheel and I feel I am getting the run around, and that they have no interest in helping me. 

They call me and ask the very same question month after month, and I ask continually if i can speak with the underwriter to ensure they understand what they are needing clarification on constantly, and I am denied every time. 

I feel there should be a time frame that my request should be handled in to ensure timely processing, but over 8 months later and I am no closer to a modification than when I started. They do not care that it has been so long. I have asked that it be escalated to someone to roll up their sleeves and help me and put an end to my misery but they don't offer that type of assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: DE

Complaint narrative:
My account with Advance Financial was fraudulently breached on XX/XX/2018. The perpetrator hacked my account and began initiating payments from my bank account to free up balance on my flex account to then illegally and fraudulently initiate a payout of the balance. These payments resulted in several hundreds of dollars in overdraft fees in my bank account. I immediately reported the unathorized use of my bank account to my bank and the fraudulent use of my Advance Financial account directly to Advance Financial. I did not receive any responses other than automated email acknowledgments of my communication until XX/XX/2018 when my account was then fraudulently accessed TWENTY EIGHT times between XXXX and XXXX. After FIFTY NINE emails with Advance Financial and several phone calls I spoke with a XXXX and XXXX, who told me that he did not believe anyone had hacked into my account. After sending screenshots of the fraudulent charges and the 28 separate emails and the several emails of me pleading for someone to please respond and help, XXXX finally locked my account. At that time XXXX acknowledged the fraudulent use and initiated a refund of the fraudulent charges deducted from my bank account. At this point, there remains a balance due of {$3300.00}, which is a result of the fraudulent use of my account. This balance due has now been sent to collections with XXXX XXXX XXXX. I have made XXXX XXXX XXXX aware that the debt is NOT VALID and is a result of Fraud. I have also made Advance Financial aware to which the reply was your debt has been transferred to collection. THIS DEBT IS NOT VALID and is a result of fraudulent use of my identity yet I can not get resolution from Advance Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX is reporting that I owe them a balance on my credit accounts with them. I called them in XXXX, and they said they no longer own the debt, but they are still reporting that I owe them a balance for two accounts, when it should be reporting a XXXX balance if they sold the debt. I waited to receive a letter from them or the collection company to validate the debt, and didn't receive anything. I disputed the accounts on XX/XX/2020 through Experian. On XX/XX/2020, Experian completed their investigation, and the accounts were not updated to reflect the correct information, nor were they removed. I called XXXX XXXX on XX/XX/2020, to confirm, and they said they do not own the debt, which means they should not be reporting that I owe them a balance.

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$180.00} XXXX XXXX {$9500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$180.00} XXXX XXXX {$9500.00} CHAPTER XXXX BANKRUPTCY DISCHARGED

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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
On XX/XX/XXXX I paid a collection with XXXX XXXX. havley is the collection company that has the collection listed. The payment was make to the original creditors XXXX XXXX. Havley was informed of this and ask to verify I co tacted them 30 days later because the information had not been removed. They stated that they only update o XXXX a month around the XXXX of the month 45 days and a week after they said they do their updates the information is still incorrect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Company : NewRez, Shellpoint put us in forbearance in XX/XX/XXXX. We did not request it. They said that they did it on their own behalf. On XX/XX/XXXX, we demanded that they take us out of forbearance, as we didnt ask to be in that state in the first place. We are current on our payments. 
We have now received a letter of LOSS MITIGATION. We have spoken to Padamore ( date XX/XX/XXXX ), XXXX ( date XX/XX/XXXX ), XXXX XXXX at ext XXXX ( date XX/XX/XXXX ). We are exhausted trying to get through on the phone ( Sorry, don't have other names ). Yesterday and today, we have been on the phone for hours and were told that we are still in forbearance and they will again try to take us out of it, but each time we call ... they don't. We are currently in the process of streamlining to another finance company because we don't trust them. Please help. We need to get this resolved, as soon as possible. We fear that they are trying to take our home. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: DC

Complaint narrative:
The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My XXXX account. 

I filed a dispute with XXXX initially in XX/XX/2020. When I. noticed the Portfolio Recovery remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of Portfolio Recovery still remains on my report even without any documentation and changing dates for the start of the account. XXXX  and XXXX have both remove the erroneous report, but XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing hard inquires that I did not recognize nor authorize. 
XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We previously had XXXX for our mortgage lender then our mortgage was transferred to NewRez Shellpoint Mortgaging Services on XXXX. I then contacted NewRez and was given their routing number and account number to set up bi weekly payments in the amount of {$900.00} to be taken out of my paycheck with the USPS. I have made approximately 7 payments for a total of {$6300.00} and I also sent a papercheck in the amount of {$2200.00} for an escrow payment. This company is stating they have never received a payment one nor the escrow payment I made. I have contacted this company on numerous occasions via telephone call, first class mail, certified mail and emails regarding this matter to no avail. I have since then had to reach out to an attorney which will cost us {$3000.00} to have this matter resolved. I am confused because during this process I received a letter from Shellpoint stating I needed to send any information to a different address, which I did, but on this correspondence I notice that the company name was XXXX NewRez Shellpoint Mortgaging Company. Why is XXXX part of this company after XXXX filed bankruptcy for the exact same thing happening to us now. Also, after some research this Shellpoint company is known for doing the same thing XXXX did and this Shellpoint company has a list mile long of other individuals whom they are doing the same exact thing to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation