vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered recovery scam operation or- XXXX XX/XX/XXXXby a sophisticated con-artist named XXXX XXXX XXXX XXXX the Scammer ), masquerading as an XXXX  ( XX/XX/XXXXCoXXXX XXXX XXXX agent, who could help me to recover losses I had from fraudulent companies, with the sole purpose of robbing and defrauding innocent people. 

Money was transferred from my account via bank wire in the total amount of XXXX EUR utilizing their services. 

A self-called Mr XXXX XXXX XXXX person just called me in early XXXX offering to help me recover the money transferred to XXXX. He introduced himself as a friend of another person who contacted me before offering trading services and said that was a partner of XXXX - XXXX XXXX XXXX, a regulator in the XXXX and/or XXXX - XXXX XXXX XXXX, also a regulator at the XX/XX/XXXX XXXX. 
He said that was very experienced in recovering money deposited in non-regulated financial companies. 

After pushing me several times me to deposit money, I transferred XXXX EUR. He instructed me directly to open an account with their organization. We kept normal exchange of views until he called asking me to answer to a person called Mr. XXXX XXXX. And that indeed happened. 

To my surprise some week later I was again contacted by another person called XXXX XXXX talking, as he said, on behalf of Mr XXXX and asking additional XXXX EUR. The explanation was the same : he had the money ( XXXX EUR ) with him and to transfer it to my account he needed first to charge his fees XXXX XXXX EUR XXXX. 

As I called Mr XXXX, he said simply to comply with the demand. I did not and instead, start to doubt the seriousness of the proposals. Therefore, I sent a message to Mr XXXX asking him to honour his words, which had been complied with by me and did not have provisions for further transfers. 

I also contacted XX/XX/XXXX( XXXX regulator ) by phone and email asking whether they knew Mr XXXX XXXX. Actually, they said there is someone with that name but it is not allowed to do the recovering job. XXXX quite probably the name was hijacked ). You can search his name on the site of XXXX and or XXXX XXXX both XXXX XXXX. They also told me to file a complaint at the police and at the site Action Fraud. I realized that it was all a scam. 

I deposited various amounts of money to Mr XXXX and his co-conspirators. I am a senior citizen and I am seriously worried when I found this was a scam and I have lost my hard-earned monies to this scammer,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: NJ

Complaint narrative:
I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I sent the court document on XX/XX/XXXX. Then I sent the court document with the third party agency letter on XX/XX/XXXX. 

I sent this to Experian and the company will not remove the inaccurate information. XXXX  and XXXX  has. 

Bankruptcy and all accounts associated with the bankruptcy. I sent documentation showing that the court states it doesn't provide information to the credit bureaus in a written statement. Also sent documentation showing that the third party agency states the bankruptcy was removed, but the bureau still say it's verified. How when the court doesn't provide the information and the third party removed it.

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 2021-07-22 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: Titan Revenue Solutions
State: CA

Complaint narrative:
I have filed all the appropriate paperwork regarding this issue with Titan and they still harass my family at an address that is not the address I provided them to reach me. They do not provide adequate proof that this is my account. The paperwork they provide is not me. This is a direct violation of the Fair Credit Billing Act and the FAIR DEBT COLLECTION PRACTICES ACT. CFPB has closed my complaint without a remedy and this is a violation of my rights! I am demand this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
In an effort to improve my credit score, I found a company called Self Inc., also known as Lead Bank Self Lend.

By making payments into a savings account, they would report a positive line of credit to the 3 Credit Bureaus. Also, at the end of my term, I can collect on the savings I've built.

Unfortunately, I had to cancel the service and in doing so ; the expected outcome is that they would refund my money saved.

The point of this dispute is that the company attempted to automatically withdraw funds from my account AFTER I already closed it ... .AND the funds received from my savings account was far less than what I had saved.

# 1. Records show ( see attached ) that I closed my account on XX/XX/XXXX at XXXX. According to my bank, I had no pending charges from Self Inc. 

But on XX/XX/XXXX, a pending charge was triggered which resulted in an over draft fee with my personal bank PLUS a {$15.00} return fee with Self Inc.

So ... if I just closed my account, how can this company continue to automatically withdraw funds??! 

I raised my concerns with them and their response is that they attempted to withdraw the money on XX/XX/XXXX. But again, my records show that the transfer wasnt attempted until the XXXX. 

And all other payments ; according to my bank was on the XXXX of each month. 
# 2. Records show ( see attached ) that my savings balance was up to {$75.00} ... but the amount received was {$36.00}. I have no clue as to why I only received half of what I saved, and their records arent clear on how they arrived to this amount. 

I regret that I have to go to this length to collect on money I've saved, but I feel it necessary to resolve this dispute. 

Should you have any questions about this claim, and it's attachments. I welcome the opportunity to discuss this further. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
HELOC was erroneously written off by XXXX XXXX in the middle of a refinance in 2017. Since then, I have been attempting to rectify this situation, including restoring my credit that they have ruined. Please see attached description and documentation.

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 2021-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, This account was charged off XX/XX/2019. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,

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 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We signed a home purchase contract on XX/XX/2021. At the time we had a preliminary loan approval from a mortgage company recommended by our realtor. In the following days we were offered a significantly better rate from Bank of America. We talked to XXXX XXXX at Bank of America on XX/XX/XXXX and began the process. MrXXXX XXXX stated that he may have trouble making our settlement date of XX/XX/XXXX but would work to complete it within a few days of said date. 

Bank of America 's online document portal proved cumbersome and Mr. XXXX asked that we send all documents to him directly. This began a continuous process of Mr XXXX and the automatic portal asking for documents and us providing required documents always on a timely basis. I will note that Mr. XXXX response time during this period did not indicate that time was of the essence. 

Bank of America and MrXXXX XXXX insisted that the inspection, survey and appraisal all be completed immediately and paid for outside of closing. The inspection was completed on XX/XX/XXXX, we received the survey on XX/XX/XXXX and the appraisal was complete by XX/XX/XXXX. We then contacted Mr XXXX to find out if we could still close on XX/XX/XXXX only to hear that he thought underwriting may take until mid XXXX. 

Mr. XXXX then offered us multiple other options, all involving an equity loan on our residence. 

We are not interested in a home equity loan. We are only interested in a loan secured by the property we are purchasing, the loan we started out asking for in XXXX, but they are forcing us to either lose this deal because the sellers are ready to back out and take our deposit, or take what they offer. In addition to our deposit we would lose the money we paid for the survey inspection and appraisal, total over {$5000.00}. 

I will state that myself and my wife both have credit scores above XXXX, we own multiple properties with XXXX debt on them, one car loan of approximately XXXX and no other debt. We have substantial stock portfolio and our income is above XXXX. 

Is this a " Bait and switch '', it feels like one.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I contacted XXXX XXXX  Customer Service XXXX today, XX/XX/202, approximately at XXXX XXXX. 

I spoke with two Customer Service Representatives at Chase Bank  : XXXX and XXXX and they both stated, no account in my name, but in order for the emails to arrive in my personal email with someone else 's name, then, that means, my social security number is " COMPROMISED '' and I need to report it to the Credit Bureaus.

Therefore, I have decided to report BANKING FRAUD TO CFPB and THE CREDIT BUREAU 'S FOR HELP.

I informed them of the person 's name that is addressed in the emails, ( XXXX XXXX ) and informed them, I do not know a person with this name. I also, ask, how the account could be granted without confirmation through my email and phone number? There is no confirmation email and phone call, text etc. I received with the name ( XXXX XXXX ) included in my phone or personal email prior. I did not get a solution with the actions of FRAUD at Chase Bank.

FRAUD has been committed in my name at Chase Bank from within. Please help! 
I have not applied and opened a checking, savings, business, or any type of accounts products with Chase Bank, Online or in Person anywhere in the world. Please Help! 

Again, I do not know ( XXXX XXXX ) and I did not authorize, Chase Bank and XXXX XXXX to open and process Chase Bank products using my social security number and personal email.

Thank you for your assistance with this FRAUD in my personal email and use of my social security number online at Chase Bank. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: FL

Complaint narrative:
To whom it may concern, This account was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My telephone service provider claims they were sent a letter from the credit bureau that my address was incorrect and that they need to change my address.

1. My telephone service provider is refusing to give me a copy of said letter 2. No letter or correspondence of this nature ( address verification ) was ever submitted to me on behalf of the credit bureau.

3. Credit bureau keeps removing freezing and locks on my credit account without my permission or notification.

4. Credit bureau will not investigate claims submission to remove incorrect information.

5. Credit Bureau will not provide accurate information on my credit report 6. Credit bureau automated systems states information about me that is not being listed on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello I deposited my IRS stimulus check in my Capital One 360 account on XX/XX/XXXX. Capital One the next day restricted my account for withdraws. When I called the number provided I was told my account was closed due to fraud, they had no evidence of this. The account is still open and restricted, they claim they are waiting for the IRS to reverse the check ( which they admit cleared and wasn't fraudulent ). I want the money that cleared their bank sent to me in a cashier 's check if the account is indeed closed and the check cleared. This has gone on long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loan payments have started on XX/XX/05. I was " counseled '' by XXXX back then to put my loans into deferment/forbearance for years until I could find a job. Not only find a job, but one where I could afford the hefty monthly payments. After my initial deferment expired I was forced to go into forbearance. Unknown to me then was that the capitalized interest was running the entire time, which was not explained to me clearly over the phone. Then came the switch to sallie mae, which also did not explain the situation clearly. Then, with the switch to Navient I finally signed up with an Income Based Repayment Plan ( IBR ). Given my low paying jobs I was forced to either send my loan back into forbearance and rack up interest or my loan payment was calculated as {$0.00} given my low wages, which also incurred interest. So, in essence my IBR and a normal forbearance are one and the same, as far as interest goes. The final straw was when I was recently reviewing my loans. I wanted to see the progress I had made with the no interest the past 18 months. Only to find out my FEDERAL LOANS are not owned by the dept of education, thus I was charged interest through the covid-19 pandemic. This company, Navient, is criminal. They explain nothing. I made major decisions, including signing with XXXX at XXXX years old, without any information or explanation. I wish to receive some relief with all this interest i've paid since 2005. On a {$21000.00} loan and 15.5 years later i'm just at {$14000.00}. And that is with my company paying {$100.00} extra a month for student loan relief. Absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I was part of a barter/trade group called Colorado XXXX. We performed services in exchange for trade credit that could be used to purchase items/ services from other members in the trade group. I performed services for another member in the trade group valued at XXXX XXXX dollars. XXXX XXXX in cash and XXXX XXXX in trade currency. I purchased luggage from another trade member for XXXX XXXX and XXXX dollars. That leaves my credit balance at XXXX XXXX and XXXX XXXX dollars. I have the invoice I used to charge the client and email correspondence from the owner of Colorado XXXX acknowledging my services and my trade credit. I do not owe them anything, in fact, they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have try to modify my mortgage 5 time since XX/XX/2019 the only thing they offer is short sale or deed in lieu been in a forbearance Plan but there no willing to work with me.

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 2021-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2021, a vendor paid me with a check that was not good. When I was informed by US Bank that the check had insufficient funds I deposited cash to cover the inefficient amount. Weeks later on XX/XX/XXXX US Bank closed my account and confiscated the balance of approximately {$2000.00}. I received a letter dated XX/XX/2021, from the branch manager of the bank where the account was opened. The letter indicated that a check for the balance in my account would be issued in 5 business days. To this day I have not received the funds that were on deposit. Equally troubling is the attitude of the branch manager and the many customer service representatives I have spoken to regarding receiving the account balance., Their dismissive attitude and arrogance because of my inquiries are irritating and disrespectful. I want nothing more to do with US Bank all I want is my money.

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 2021-07-22 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: GA

Complaint narrative:
My car was stolen with my all my important information and documents in 2018 ever since then Ive been receiving phone calls from all kinds of debt collectors saying that Im in debt for a lot of different things that I have no clue about and this collection falls in that category Ive never had any services with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry : XX/XX/XXXX XXXX- Date of inquiry:XX/XX/XXXX

Company response to consumer: Closed with explanation