vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-02 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please read this entire thing. 

1. First and foremost, I initiated a dispute with CHASE BANK within the time frame of their discretion on the charges that a ) had no right being placed on my card b ) charges I received nothing for in return. So once again, I initiated the dispute within the time-frame that chase 's conditions require. 

2. Chase bank disputed the WRONG charges. So, yes, Chase bank did process the dispute, but for the incorrect charges. These charges were valid and eventually had to be re-instated. 

3. Chase bank took so long to resolve the issue listed above that by the time the CORRECTIONS WERE MADE it was NOW ( and only now ) past the time-frame in which Chase requires disputes to be made. 

4. When I spoke to the last 10+ reps, they all state " you are past the cut-off for disputes on these transactions. '' None of these reps take the time to look into the reason WHY I a past the time frame. 

5. I have a letter and screen shots from the merchant showing that have even attempted to refund the charges, but between Chase and their merchant service provider, the money is being held somewhere. Not my fault, and not my issue. 

XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX I have the dates that the other charges were incorrectly disputed which align with being within the appropriate time frame for these disputes ( had Chase bank disputed the correct charges ). 

My attorney had advised me to document this via the CFPB and retain record of any representative that handles this complaint moving forward before we go to court. 

Attached : 1 ). Chase letter denying me for the 10th time. and the charges in question 2 ). Letter from the merchant with screen shots showing his attempt to rectify the transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: CA

Complaint narrative:
I applied for a refinance in XX/XX/2020. I finally signed the closing documents on XX/XX/XXXX after a very long delay. Was told many times that it will close but had to subsequently make 2 more monthly mortgage payments before I signed on XX/XX/XXXX. It is now XX/XX/XXXX and the loan has not been funded and will now have to pay another mortgage. They do not respond or when they did a few days ago, they said it was funded but no payments have been made to my existing loan holder. The escrow company has been sitting on my funds in the amount of {$5100.00} to this day. This is costing me money and great frustration. There is a lack of execution, professionalism, honesty and execution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX select portfolio servicing collected {$250000.00} from my proceeds of which they were not entitled. It is now Friday and although it was escalated I have not received my funds. The money was wired to them in one day Monday will be FIVE days theyve had MY money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I have had an account with Capital One since XXXX, and on XX/XX/XXXX, we began to receive charges on our cards at the XXXX in XXXX, XXXX XXXX usually in the XXXX dollar range, but some as high as {$70.00} and XXXX as low as {$30.00}. We contacted Capital One about these charges, and initially, they took them off. Subsequently, however, they wrote that they had found no reason to believe that the charges were not correct. After more correspondence, they finally agreed to remove the charges. We cancelled the cards, and I thought the matter was closed. Then, we began receiving statements with one of the XXXX charges still on our account. On XX/XX/XXXX, I notified Capital One that this was a disputed account and that the application of late charges and interest was thus illegal. Nevertheless, Capital One continued to apply these charges to our account. I wrote Capital One again on XX/XX/XXXX and on XX/XX/XXXX, reemphasizing that the amounts on my statement are disputed and that Capital One should not apply late charges. Finally, on XX/XX/XXXX, I wrote to request an itemization of any charges due and payable to Capital One. In response I received a form letter telling me that Capital One will not deal with me through written correspondence. In the meantime, they have caused my XXXX to drop XXXX points. I have copies of all correspondence. Their case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Attached is the pre-construction/construction contract for the property owned by XXXX XXXX XXXX known as XXXX XXXX XXXX XXXX, VA XXXX. There was a surplus identified in the Wells Fargo Contract of approximately $ XXXX at this time. However, Wells Fargo only issued a closing check to XXXX XXXX XXXX for approximately {$1200.00}. Therefore, Wells Fargo will have to explain whom the $ XXXX was granted to ; whether it was the builder XXXX  XXXX XXXX XXXX XXXX the Wells Fargo affiliate, or the Trustee, XXXX XXXX XXXX XXXX, XXXX. Further, it can be ascertained that the land ( paid directly to XXXX  XXXX XXXX by XXXX XXXX XXXX by automatic drafts ), structure and septic is paid for. The allowance of {$6500.00} is due. However, the consideration is made that these were estimates and that these amounts were not to exceed {$6500.00} for the well and {$4000.00} for the septic. Either way, the base price of the home has been paid and the credit ( s ) offset the added amenities. This contract does list XXXX XXXX XXXX and is signed by XXXX XXXX XXXX. However, it has always been understood by the language drafted on all documents concerning this property and upon signature of all parties ', that XXXX XXXX XXXX is the sole owner of this property and XXXX XXXX XXXX would be listed on the mortgage, expected to pay and would improve his credit upon paying. However, XXXX XXXX XXXX was even removed from the mortgage in XX/XX/XXXX by a bankruptcy court order. Therefore, again it is not understood why or with whom would this be a concern approximately 15 years later as he was never an owner on this property, did not contribute to paying the mortgage and was taken off the mortgage in XX/XX/XXXX ; with no further association with the property. The surplus will have to be identified as to whom received it. An estimated balance may be due of {$6500.00} for the well but there are no evidence of actual costs. This property known as XXXX XXXX XXXX XXXX, VA XXXX is considered paid in full and belongs solely to XXXX XXXX XXXX as drafted on all historical documents since XXXX. Majority of sites indicate a well and septic currently cost in the year of XXXX, approximately $ XXXX {$4000.00} respectively. The {$15000.00} request made by Wells Fargo Home Mortgage by attorney or otherwise in XXXX was disputed in multiple courts including but not limited to the U.S. Bankruptcy Court.

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 2020-10-02 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: Shellpoint Partners, LLC
State: SD

Complaint narrative:
My mortgage loan was service transferred to New Rez in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called New Rez XX/XX/2020 and was advised there was a systemic issue and approximately XXXX accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV to the credit reporting agencies to correct the error. 

I called to follow-up XX/XX/2020 and spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. New Rez failed to properly investigate the account when the NOE was submitted advising of such error. New Rez dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times.

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress.

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again.

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed  chapter XXXX since the loan was coded as such.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
they keep saying its verified but they have not shown proof of account it is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
I have been awaiting a mortgage refund check in the amount = {$910.00} since XX/XX/XXXX. ( more than 3 years ago!! ) I have called almost weekly to get an update. Most recently I spoke with a Supervisor " XXXX '' ( initials XXXX  ) on XX/XX/XXXX assuring me that I would be emailed a confirmation of the mailed check number XXXX. There was zero result - no email, nothing. 
The deadline to confirm these monies = XX/XX/XXXX or forfeiture of funds. 
I have emailed confirmation on XX/XX/XXXX again that I am claiming this property. 
I have called weekly without result. 

Please followup with status and update on the refund check please. 
There is something critically wrong with the service at Dovenmeuhle - this is beyond reason. 
I will also followup with a complaint with the XXXX  as well. 

I can be contacted at : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: AFNI INC.
State: GA

Complaint narrative:
AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
I refinanced with XXXX XXXX. They sold our loan to Dovenmuehle to service it. They can not accept my payment even though it is due on XXXX XXXX. They said to try back on XX/XX/XXXX. There is no communication on their website. I was not sent any communication letting me know about this problem. When I got a hold of a representative, he refused to send me information saying that it is okay not to pay my mortgage. He said that this phone call is being recorded and that is my legal recourse. This is illegal, right?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
CHARTER ONE/FM has been falsifying records. I opened the account XX/XX/XXXX, and I missed my first payment on XX/XX/XXXX. Charter one has been reporting the wrong dates and numbers to the credit bureaus. They report that I made 3 payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they are unable to show evidence of this or account for this. They also report the collection on XX/XX/XXXX, and they recently put a charge of on my account on XX/XX/XXXX. This is concerning because there has not been any activity on this account for the past 7 years, and now they are attacking me for an account that they have written off. Lastly, it has been past the statute of limitation for this account. This resent attack on my credit on XX/XX/XXXX shows malice. Please help resolve whatever is going on with this account. 

They sent me a letter agreeing that XX/XX/XXXX was my first delinquency. They also state in the letter attached that the account was already charged off in XXXX. This letter is attached to this email. They continue to report falsehoods to the credit bureaus ( XXXX  ), even though they know and have admitted the truth as seen on the attachment. They reported these inaccuracies in XX/XX/XXXX and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Once again, this is following complaints XXXX and XXXX. 
Please CFPB : stop closing this case based solely on Chase answers, as they only care for their own interest. Otherwise, what is the point to complain to CFPB? 

Ever since I found out Chase had canceled my XXXX card on XX/XX/2020, I have been trying to get a professional and fair answer from them. So far, that has been impossible. Chase keeps sending letters and lately emails asking me to call different people and extensions, which are always answer machines. 

Chase has also repeatedly ignored my request to have a XXXX speaker Executive to handle my case. 

Still, I have managed to follow their confusing instructions, under a lot of stress. So, this week they rejected my request to reopen this card, which I have always paid ( and keep paying ) on time for more than 10 years, with more than the minimal amount. How come they took such decision without considering my card XXXX history, and giving me the chance to defense myself? 

They also have called me a " delinquent '', because I took a " Consolidated Debt '' program for OTHER credit cards, which is a total legal procedure. Chase knows it very well. 

To summarize, they are damaging my credit and reputation, and have discriminated me. I am a XXXX  XXXX and XXXX  XXXX. I see DISCRIMINATION in this case. It is unacceptable that a main bank in USA year 2020 does not have XXXX   speakers Executives for clients like me. Meanwhile, all the people with whom I have talked, have mispronounced my first and last names. They could not care less. I will spread the word. 

Who is responsible for the time wasted, the stress and the humiliations? 

This is unacceptable, disrespectful and outrageous. Again, this is about card XXXX. And I wont stop my fight because I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: FL

Complaint narrative:
There is an unauthorized account on my credit report. XXXX XXXX XXXX . This account was never requested and I am not aware of these account can you investigate. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020, I applied for an extension on my car loan with bbt website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull 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 2020-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/20 I placed a call to XXXX XXXX XXXX requesting an extension for a loan that was due on XXXX/XXXX/20. I was unemployed due to COVID-19 pandemic. I was only given a 7 days extension. On XX/XX/20 a payment of {$1000.00} was made to complete the loan agreement and close the account. Several weeks later I noticed that XXXX XXXX XXXX was still debiting payment from my bank account. I called XXXX XXXX and I was told that an account specialist would be contacting. I never received that call. I continued to call them but, no one could help me. I was finally told by one of their reps that there was some false activity done on my account, still no resolution Since then I have received letters from the mail stating that my account is over due and they will send my account to collections and threats stating that I would be reported to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: World Acceptance Corporation
State: TX

Complaint narrative:
they keep saying its verified but they have not shown proof of account it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Hi Portfolio Recovery Associates reports an account which is not mine I live in XXXX XXXX since XXXX yet this account is reported under my name which does not belong to me. After lengthly connections calls and discussions portfolio recovery is still not willing to remove the account even after XXXX  and XXXX  took it down from y report they put it back on. I need help to have this false account removed from my report. 

statement about the crime. 

Contact Information First Name : XXXX XXXX Name : XXXX Last Name : XXXX Address : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX USA Phone : XXXX Email : XXXX Personal Statement Hi I live in XXXX since XXXX I can not possibly have opened this account as I did not live in the US in XXXX to XXXX or after that Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : Portfolio recovery Date fraud began : XXXX / XXXX Date that I discovered it : XXXX / XXXX Total fraudulent amount : {$8300.00} Fraudulent Information on Credit Reports Accounts or ChargesYes, fraudulent accounts or charges appear on my credit reportPersonal InformationAddresses : No Data Supplied Phone numbers : No Data Supplied Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both.XXXX XXXX XXXXDateUse this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
*Check the box to sign your identity theft report : I understand that knowingly making false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

PreviousFinalize please remove this fase information from my credit report or at least stop reporting it if it was already removed by XXXX  and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: NY

Complaint narrative:
We have had repeated calls from this company Synter Resource Group about a XXXX debt of {$300.00} which we do not owe. We do not think this company or the claim is legitimate so we are not calling them. Have spoken to XXXX and we do not owe them any money. The message is an automatic one and does not address us specifically by name - we have gotten the calls for the past week every day. They say the file # is 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