vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was robbed/conned out of Thousands of Dollars by whom I now know to be XXXX XXXX. Chase Bank refuse to refund me the money, I was under the impression my money in the bank is FDIC insured. 

I filled a police report REPORT NUMBER : XXXX on XX/XX/2020 that completely went ignored by the XXXX County Police Dept. I launched my own investigation and was able to get surveillance of the perpetrator. However I went as far as I can go as a civilian. Luckily he also committed the crime in XXXX, and I was able to get the help of Officer XXXX XXXX and Sargent XXXX XXXX. They really cared about me and we got him arrested. However, he only served 3 hours and he was nabbed on only {$500.00} prepaid cards he purchased with my bank cards at XXXX in XXXX, Washington. 

I want to alert you that XXXX befriended me in XX/XX/2020, and by XX/XX/XXXX he asked me to lend him {$4200.00} in cash and he provided personal checks on the spot that ended up bouncing. That afternoon he stole my bank cards as unknown to me he watched me enter my PIN when I lent him the money utilizing the ATM. He proceeded to go on a 3 days stealing spree until I received fraud alerts, as I was quarantined indoors and had no idea my cards went missing. This has resulted in Chase not wanting to return the {$2400.00} he stole from me, as well as, i'm  out of the {$4200.00} bounced checks, and XXXX still owes me {$1200.00} that i have to contest. 

My life has been turned upside down by this sociopathic conman, i no longer have trust in people, and he was on a mission to deplete me of my life savings. He also claimed to come from a really  wealthy family of doctors back in XXXX, he portrayed himself to be an Engineer working for XXXX. He will do this to others. He claims to be here on a work visa. 

I was not able to get the surveillance from the Casino and different bank branches ATM that he used my cards at because I am merely a civilian. However, Chase Bank has been completely uncooperative. XXXX ( XXXX @ ex XXXX ) from Chase Executive Office has been completely uncooperative. They refuse to reimburse the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
My loan with XXXX XXXX  was in Forbearance. Before the end of the Forbearance period, in XX/XX/XXXX, I sold the property and the loan was paid off. XXXX reported my loan 90-days late in violation of the C.A.R.E.S. Act. I contacted Nationstar by phone on XX/XX/XXXX when I checked my FICO score and was shocked, and sent information to an email address provided by the CSR. I received no acknowledgement or response, and the message did not bounce. I followed up on XX/XX/XXXX by email and still have not received any correspondence from 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 2020-10-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$3000.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in  violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was scammed into believing that I was being helped. I bank with Wells Fargo. 

A man had written me a check for {$2200.00}. He said I could keep XXXX of it as long as I sent the remainder to a " colleague '' through XXXX. On XX/XX/2020 I had sent over the first transaction for {$500.00}. Then the next two days I had also sent an additional {$500.00} both days totalling {$1500.00} for all three. On XX/XX/2020, the check that I had deposited was marked item returned unpaid and my account was down in the negatives. I immediately filed a claim with wells fargo. For a week, I did not hear from them. Then I was receiving all of these emails and notifications for bank fees, during which I had no money. Then today, XX/XX/XXXX, I was locked out of my online banking. For hours, I had to gain access to my account again. During a final phone call of the day, the woman on the phone with wells fargo had told me that there was nothing they could do since it was authorized through XXXX. I do not find this to be fair or just that a scammer can get away with my {$1500.00}. I had asked if I could at least get all of the bank fees that had occured due to not having sufficient funds on my account, but I was not granted so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Revolut Technologies Inc.
State: AZ

Complaint narrative:
Thru the Revolt bank app, I purchased {$80.00} worth of BCH but I only received {$57.00} worth of BCH. I contacted support thru chat in the app due to they do not have a customer care number. I explained to them what happened and they explained to me that there is a fee for the exchange. I understood the fee for the exchange which is usually  1 % to 5 %. I explained that I lost XXXX dollars in the exchange, which is 30 %, and how insane that is. I never heard back from them and I feel that I have had {$23.00} stolen from me. i've checked 4 exchange sites and i should of recieved XXXX BCH and i recieved XXXX BCH worth XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/2020, Equifax received my dispute of account number XXXX, { {$690.00} }, with agency number XXXX with Equifax XXXX I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing  Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX - Their name is listed on my Experian Credit Report under Inquires - XX/XX/XXXX. I have called XXXX XXXX XXXX twice to inquire about this matter. Both times I called - recently on XX/XX/XXXX - I have been told from two different employees that XXXX  does not request or report ANY INFORMATION to the credit bureaus. How did it get on the report Experian?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 
The account number is XXXX ( {$2300.00} 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 2020-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: VA

Complaint narrative:
ClearPath Lending is sending false and misleading offers to lower my VA mortgage. When I called to be removed from mailing they hung up on me. 

For example, the offer is to lower my VA Loan rate to 2.25 % Rate, 2.45 % APR for VA loans ; I know this is erroneous information from current VA loan rates. 

On XX/XX/2020, ClearPath Lending Inc entered into a Consent Order with the Bureau of Consumer Financial Protection. The order settles allegations that the business sent consumers mailers for VA-guaranteed mortgages that contained false, misleading, and inaccurate statements or that lacked required disclosures. The order alleges that the advertisements created the false impression that ClearPath was affiliated with the VA, misleadingly advertised rates or payments as fixed, even though the advertised mortgage was an adjustable-rate mortgage or the payment was not fixed for the indicated duration. ClearPath also allegedly misrepresented the existence, nature, or amount of cash or credit available to the consumer, and the existence or amount of fees or costs to the consumer, in connection with the advertised mortgage. Under terms of the order, the business agrees to pay a civil penalty of {$620000.00}. The order also imposes injunctive relief to prevent future violations, including requiring ClearPath to bolster its compliance functions by designating an advertising compliance official who must review its mortgage advertisements for compliance with mortgage advertising laws prior to their use ; prohibiting misrepresentations similar to those identified by the Bureau ; and requiring ClearPath to comply with certain enhanced disclosure requirements to prevent future misrepresentations. XXXX  XXXX was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. 

Clearly they're not following the injunction. 

Secondly, I filed an opt out for firm offers of credit and insurance at optoutprescreen offers in XXXX of 2020. The offers of credit have all but stopped except from ClearPath Lending. This company is a menace and should be avoided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX ( {$330.00} 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 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have paid off this account and I would like it to be removed from my credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ), Successor in Interest to XXXX XXXX XXXX , XXXX XXXX, Successor by Merger to XXXX XXXX XXXX XXXX as Trustee For XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX XXXX XXXX ), continues to allow others to proceed with foreclosure of my property in Docket No. : XXXX upon a note and mortgage ( " mortgage loan '' ) that became time-barred as of XX/XX/XXXX, by using the name of XXXX XXXX  as Trustee for XXXX XXXX XXXX 's name as the purported owner of the subject mortgage loan, despite XXXX XXXX as Trustee for XXXX XXXX XXXX 's communications dated XX/XX/XXXX and XX/XX/XXXX annexed hereto as Exhibit 1, declaring that : The servicer is the party to the Trust that has the authority and responsibility to make decisions regarding individual mortgage loans in the Trust. The Trustee has no authority or responsibility to review and or approve or disapprove these decisions and actions.. 

Furthermore, XXXX XXXX  as Trustee for XXXX XXXX XXXX further declared within its publication titled Role of the Corporate Trustee enclosed hereto as Exhibit 2, that : ( 1 ) As Trustee, XXXX XXXX   XXXX XXXX XXXX XXXX performs the following responsibilities. Does not initiate, nor has any discretion or authority in the foreclosure process .... ( Id. at Page 2 of 4 ) ( 2 ) All trustees for XXXX transactions, including XXXX XXXX, have no advance knowledge of when a mortgage loan has defaulted. Trustees on XXXX  transactions, while named on the mortgage and on legal foreclosure documents, are not involved in the foreclosure process. ( Id. at Page 2 of 4 ) ( 3 ) As noted, the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any, information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. ( Id. at Page 2 of 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX XXXX {$270.00} 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 2020-10-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to TransUnion seeking proof of this debt : Transunion XX/XX/2020, XX/XX/2020 and XX/XX/2020. Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$3000.00} 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 2020-10-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$270.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )

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