vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Electronic transfers and accounts i can't see

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
I'm trying to set up bi-monthly payments with my existing mortgage provider, American Pacific Mortgage ( XXXX ). I went through their setup process in XX/XX/XXXX and confirmed with my mortgage provider that everything was done correctly on my end. This was supposed to start with my regular XX/XX/XXXX payment, after I made my regular monthly payment in XX/XX/XXXX, which I did. Now I'm being told that I have to make a regular payment in XXXX and in XXXX before this starts. This is 3 months past the point I was previously told that this would start. I don't trust what American Pacific Mortgage is telling me and I feel that I'm not getting a straight answer, or any sort of confirmation when my bi-monthly payment will actually start. I would prefer to work this out directly with American Pacific Mortgage but I don't feel they are being truthful with me, so I'm contacting the CFPB directly.

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 2021-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My identity was used fraudulently to open a personal loan on XX/XX/2018 with GOLDMAN SACHS BANK USA account # XXXX balance {$11000.00} This account is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.

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 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I ask that a statement be put in the XXXX account 1 ) Not my account and Fraud of Ownership. I asked for proof of Ownership never given. I disputed the account and asked for a statement be put in all my accounts that I invoke all rights, none waived ever. All three refused to do this and you can not dispute on line unless you agree to their terms. I refused to agree to them. Phone dispute is almost impossible to get done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I couldnt make payments because of the Covid financial impact. Now the fees are way to much and high

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 2021-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last year my Husband was laid off due to Covid 19. His job was a XXXX  for several different districts in our City. We called Wells Fargo for help with our Student Loan got the run around for months, kept calling and no one helped us. We did make a payment in XXXX due to the Simulus Check but we could not pay the amount they wanted. Then a Customer Service Person told me via the phone that our terms, interest rate and monthly payments changed, This is a fixed rate and it is a standard fixed loan. We wanted a longer term of the loan and payment assistant of which we never got!. To the date of this complaint Wells Fargo without any knowledge sold our Private Loan Student to XXXX XXXX, I only found this out because a notice was on our on line banking. 
No help, our payments keep going up with interest charged daily. 
So what does someone due? 
How can we get help on this loan? 
Wells Fargo is not helping in any way and I keep calling I called their Student Loan Department XXXX I have several complaints with the Home Office and still no one is helping us! I have looked at our loan papers and they are a fixed rate at around 7 % with a payment of around XXXX. They changed the interest rate to a variable rate and put us in a Forbearance of which we never signed anything for that! 
We are sick and tired of this happening to us, and how that the loan has been sold what does someone due! We can not pay for this loan? 
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 2021-02-04 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Tel : ( XXXX ) XXXX Email : XXXX JPMorgan Chase Bank, N.A. 
XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX Chase Account # : XXXX Original Creditor : JPMorgan Chase Bank, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. 

On or about XX/XX/XXXX, I opened a chase credit card account with a credit limit of {$4500.00}. Chase closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX, a Agency hired by JP Morgan Chase made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. XXXX XXXX was hired my JP Morgan Chase to collect the debt. After the settlement was made XXXX XXXX and JP Morgan Chase refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. 

Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. 

I was deceived by XXXX XXXX and JP Morgan Chase to collect the debt. I am requesting that JP Morgan Chase either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. 

I have filed several disputes to JP Morgan Chase and they refused to respond to my request. 
I have attached copies of the payment receipt and copy of the settlement agreement. 

Respectfully Submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
Wakefield Associates is falsely reporting 2 collections accounts on my XXXX, XXXX, and XXXX  credit reports. I have recently just disputed these accounts and asked for verification of these said debts. Neither of the 2 said accounts have an ACCOUNT NUMBER to the said account. 1st dated XX/XX/2018 ( {$1800.00} ) The 2nd acoount XX/XX/2018 ( {$1900.00} ). No account numbers nor any verification of these debts have been satisfied by me. I have no contract with Wakefield Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from XXXXXXXX XXXX ( Merchant : XXXX ) with a creditory of PORTFOLIO RECOVERY ASSOCIATES, LLC for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I first contacted Bank of America when the charges were filed on my account I made a claim with them I was XXXX at the time of his charges but they did a Investigation in said that I did the front of my own account and they were not going to give me back any of the fraud charges on my own account I then really thought they were giving me back the funds so I called and reopen the claim I heard no response back from them whatsoever I then contacted the XXXX to file a claim with them I heard one time from them and they leaving me a voicemail I tried responding back numerous amount of times no response no emails nothing and also the XXXX it hasn't had any response from them as well XXXX  Case number is XXXX I am at a point where it's been almost three months and nothing is getting solved So I am contacting you guys as well to see if there could be in response to you guys because I'm not getting any help from Bank of America on there and I'm also not receiving any of my unemployment from XXXX for almost 2 months. Because of them say i am XXXX This fraud charge was {$1200.00} so I need to solve this problem please thank you

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 2021-02-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX  and Experian it shows dated opened XX/XX/2018 and on XXXX it shows an open date of XX/XX/2018. The high credit on XXXX and Experian is XXXX and on XXXX XXXX. The credit limit on XXXX and Experian is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.

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 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX and XXXX it shows dated opened XX/XX/2018 and on Transunion it shows an open date of XX/XX/2018. The high credit on Transunion and XXXX is XXXX and on XXXX XXXX. The credit limit on Transunion and XXXX is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.

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 2021-02-04 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: FL

Complaint narrative:
XXXX XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on Equifax and XXXX  it shows dated opened XX/XX/2018 and on XXXX  it shows an open date of XX/XX/2018. The high credit on XXXX  and XXXX  is XXXX and on Equifax XXXX. The credit limit on XXXX  and XXXX  is also showing XXXX and XXXX on Equifax. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been pursuing an amicable resolution with XXXX XXXX XXXX, XXXX regarding incorrect reporting of a " Late Payment '' with both XXXX  and TransUnion. 

Both TransUnion and XXXX  are reporting incorrect information regarding these " Late Payments ''. After filing complaints with the CFPB regarding XXXX, my attorney received a letter from XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX department. 

In his letter, XXXX XXXX specifically states that the account was paid off in full prior to my 2015 Bankruptcy and that there were no " Late Payments '' or other derogatory remarks reported to TransUnion and XXXX. 

I'm very frustrated at this point that XXXX  and TransUnion have not reported the account correctly even after filing several disputes with both the credit agencies.

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 2021-02-04 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and HSBC Bank. The Account Opened is HSBC Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$27.00}, XXXX. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 my car was broken into around XXXX XXXX, and my purse along with other belongings were stolen. I had 7 credit cards- 1 being with Chase freedom unlimited. Around XXXX XXXX I called Chase to report this and was told I had one fraudulent charge at XXXX  for {$500.00} and it looked like a gift card purchase. We promptly cancelled the card and I was issued a new one a week later.The charge was taken off and I received an email shortly there after stating that the charge was proven fraud and was removed. On XX/XX/XXXX I made a credit card payment and found everything to be correct regarding my balance. I went into the app again on XX/XX/XXXX to make another payment, and saw 6 more duplicate charges on XX/XX/XXXX for {$500.00} at XXXX that posted on XX/XX/XXXX to the former credit card number ending in XXXX. I called and was asked to provide a police report by email to the fraud dept which I did promptly the next day on XX/XX/XXXX. I was also told by XXXX XXXX that the charges were all made at the XXXX  on XXXX XXXX in XXXX XXXX in person between XXXX and XXXX. After 8 days of submitting these documents, I was continuously given the run around and was told that my fraud claims were denied, even though the initial charge was proven fraud at XXXX and all others being clearly related to each other. I was then told I needed to go to XXXX and try and obtain footage of the incident and send that information in and obtain another police report and attach the XXXX  footage to it. This is absurd. My 6 other credit cards gave me no hassle, and Chase makes it impossible to obtain any resolution.There are laws and stipulation that state if these types of incidents occur we as consumers are covered. This is theft made by Chase if I am responsible for {$3500.00} worth of charges. Why did the additional 6 charges not post until 4 weeks later? Why was the information I gave good enough to remove the first charge and not the others? This behavior on Chase ' part is abhorrent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've requested numerous times for Trans Union to investigate the accounts they have negatively reporting against my file. They state in their comments they completed the investigation and it meets the FCRA. 

Well it does not meet the FCRA or FDCPA. 

They continue to report an alleged collection account as being opened, Past due balance, high balance. 

XXXX XXXX XXXX & XXXX Please see the attached proof.

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 2021-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Total Card, Inc.
State: MO

Complaint narrative:
XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
this fraudulent account with SEQUIUM ASSET SOLUTIONS account # XXXX balance XXXX this account is fraud i never had any of these accounts they are all fraudulent.

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