vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX  HOWEVER, THIS WAS NOT THE CASE. AFTER EXTENSIVE RESEARCH AND INVESTIGATION WE FOUND MULTIPLE STATEMENTS AND 1098 'S REFLECTING THE SAME YEAR., Y SPOUSE FOUND BANKRUPTCY. SHE WAS IN CHAPTER XXXX UNTIL THE JUDGE ATTEMPTED TO COERCE US INTO PAYING APPROXIMATELY XXXX BETWEEN TWO HOMES. THEY KNEW FRAUDULENT MORTGAGE LOANS WERE ATTACHED TO THE HOMES WHICH EXPLAINED WHY THEY FORCED HER INTO CHAPTER XXXX IN ORDER TO RETRIEVE THE HOME BECAUSE THE LAND WHICH THE HOMES WERE BUILT ON STILL BELONGED TO THE DEVELOPERS BY THE NAME OF THE XXXX FAMILY. WE NEVER RECEIVED A LOAN. OUR NAMES WERE FORGED AND OUR INFORMATION WAS USED TO TAKE OUT MULTIPLE LOANS TOTALING MILLIONS OF DOLLARS. OUR HOME WAS ILLEGALLY FORECLOSED ON AND THERE IS TITLE FRAUD. THE PURCHASER XXXX XXXX XXXX ( XXXX XXXX  XXXX ) WHO HAS MANY ALIAS WAS REPRESENTED BY XXXX XXXX, WHO VERBALLY THREATENED ME IF I SUBMITTED A COUNTER SUIT AND HE COMPLETED ILLEGAL COURT DOCUMENTS IN ORDER TO OBTAIN POSSESSION OF THE HOME. A XXXX LAWSUIT LISTING XXXX AND XXXX XXXX AS PLAINTIFF ; S BUT WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. THE ASSIGNED JUDGE WAS XXXX XXXX. THIS WAS IN XXXX XXXX XXXX  XXXX XXXX XXXX OF GA. IT APPEARS XXXX XXXX AND XXXX WORK TOGETHER WITH XXXX XXXX AND OTHERS ENGAGING IN ILLEGAL FORECLOSURES. THE AMOUNT OF MONEY SAID TO HAVE BEEN PAID FOR THE HOME WAS XXXX, HOWEVER WE LATER FOUND OUR IT WAS XXXX VIA XXXX XXXX, THERE COULD HAVE BEEN A POSSIBILITY OF THE ATTORNEY, TRUSTEE AND JUDGE SPLITTING ALL ADDITIONAL MONEY OVER XXXX. THE HOUSE WAS ABANDONED BY THE CHAPTER XXXX TRUSTEE S XXXX XXXX AND LATER A LIFT OF STAY? BY THE PRESIDING JUDGE. THIS LIFT OF STAY TOOK PLACE IRONICALLY WHILE MY SPOUSE WAS HOSPITALIZED FOR 2 WEEKS. THE PRESIDING DOCTOR ACCIDENTALLY SLIPPED AND MENTIONED THE AGENDA. WE WERE NOT NOTIFIED OF THE LIFT OF STAY. THE PRESIDING DOCTOR XXXX XXXX XXXX XXXX AT XXXX XXXX IN XXXX GA APPEARED TO HAVE BEEN PAID TO KEEP MY WIFE IN THE HOSPITAL IN ORDER FOR THE XXXX TO COMPLETE THERE DIRTY WORK. AS A MATTER OF FACT, THE ADDITIONAL ASSIGNED PHYSICIANS, APPROXIMATELY 3 OF THEM ENGAGED IN VERBAL CONFLICTS WITH XXXX XXXX REGARDING WHY SHE WAS NOT SENDING MY WIFE HOME. SHE HAD ALL OF THEM DISMISSED.XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX a transaction was placed to XXXX for XXXX. A balance of XXXX plus was in account. 
After no delivery 5 to 7 days. A check with XXXX customer service automated service stated material shipped. Looking further into date for delivery a customer service rep. Stated payment authorized on XX/XX/2021, declined on XX/XX/2021. Navy federal Credit Union was contacted today XX/XX/2021, teller stated XXXX did not accept transaction in 3 days and money was not returned to may account. I would like the return of my monies to purchase medically necessary material. 
Can I get help with this theft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter requesting verification of a debt that was posted on my created report. This is a debt that I am very unfamiliar with and it randomly popped up on my credit report. I sent the company a letter to request verification over 30 days ago and today is XX/XX/2021. I demand this account to be deleted off of my credit report because this investigation took longer than 30 days, and according to the Fair Credit Reporting Act if the company does not respond the account must be deleted from the consumers credit report. If the company does not remove this debt from my credit report asap I will be forced to file for litigation against all who are responsible for reporting this inaccurate and unverifiable information on my credit report.

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 2021-10-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GFS II, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TN

Complaint narrative:
I've disputed these items twice with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Early Warning Services, LLC
State: KY

Complaint narrative:
I XXXX  XXXX in order to change my info. I called the number and was asked by the person to download XXXX on apps. so that he could walk me through it. He had me pull up my account, and asked what bank was used for it. I told him. By the end of the call, he had gotten my banking code number and somehow used my XXXX to send money through Zelle. I've never even heard of Zelle. 
He took {$170.00} out of my account. I'm on XXXX, so that was all the money that I had until XXXX. 

The phone number they used was : XXXX, and the money was deposited to XXXX XXXX 's account. 
Transaction # XXXX on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I closed on a refinance loan earlier today with a local title company at which I happen to also be a Closer. At XXXX today, a woman showed up at my door with a packet of papers and tells me she is here to close my loan. I told her no, she is mistaken as we have already closed. She refused to tell me her name until I threatened to call the police ( XXXX XXXX and she says she works for herself so have no kind of business affiliation ) or who she got the documents from, and then rather than resolve this error, she drove off with all of my personal, private information printed on documents that I will have absolutely no way to confirm she disposed of properly. I am absolutely disgusted by the blatant disregard that has been given to my personal private financial details and am extremely concerned about my information being mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter requesting verification of a debt that was posted on my created report. This is a debt that I am very unfamiliar with and it randomly popped up on my credit report. I sent the company a letter to request verification over 30 days ago and today is XX/XX/2021. I demand this account to be deleted off of my credit report because this investigation took longer than 30 days, and according to the Fair Credit Reporting Act if the company does not respond the account must be deleted from the consumers credit report. If the company does not remove this debt from my credit report asap I will be forced to file for litigation against all who are responsible for reporting this inaccurate and unverifiable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: PA

Complaint narrative:
Today XX/XX/2021 around XXXX XXXX  someone from Discover credit card called my place of employment, the phone call was transferred to my desk, I picked up the phone and identified myself, then the caller explained to me the reason for the call, after that, I told her that I was at my place of employment and that I was not in a private place to talk about my debt and that I was not allowed to take personal phone calls, ( XXXX XXXX XXXX XXXX XXXX XXXX  but nothing that I said stopped her from trying to go over my debt and options that they have for me. I had no other option than to hang the phone call. Then, my co-workers began questioning me what the call was about. 
I enrolled with -XXXX XXXX XXXX- because my debt was getting out of control. They told me that is illegal for them to call my job and that I should report any debt collector that called my job. I just want them to stop calling my job. I Called Discover to inform them that I have enrolled with XXXX XXXX XXXX and that it will take time until we reach an agreement. All I need is help to stop Discover from calling my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I bought Crypto currency in XXXX of XXXX and XXXX of XXXX XXXX My account was limited and Paypal refused to tell me what happened. I had a regular balance in my account and after 180 days i was able to get that out. They told me the Crypto would be release in an addition 180 days which out that release date at XX/XX/XXXX. As of today, Paypal refuses to release this and refused to transfer me to any higher manager successfully. I have been patient and now upset as I am unable to withdraw my current Crypto Balance which is currently at Crypto BTC {$1200.00} Available value. I have called daily and get the same refusal and " we will put a help ticket in but can not give you a time frame to when they will get to it ''. Paypal did not hold up to their promise and instead treat me like a criminal. They also never respond to my emails. Thank you for helping. 

Transaction Date : XX/XX/XXXX Amount : {$500.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Amount : {$51.00} Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: WA

Complaint narrative:
Key Bank wanted to charge a large processing fee upfront before handing a loan estimate. This is not allowed as per the consumer finance website " By law, the only fee that lenders are allowed to charge you before issuing a Loan Estimate is a small upfront fee to pay for pulling your credit report. The fee will usually be no more than {$20.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.

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 2021-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I received a letter ( attached scan of said letter ) from AmSher Collection Services , Inc of XX/XX/XXXX notifying me of a debt from XXXX XXXX XXXX for the amount of {$90.00} and my rights to dispute/request validation for this debt within 30 days of receival. I then disputed and requested validation for this debt and sent the letter ( attached copy of dispute letter ) via USPS Certified Mail on XX/XX/XXXX. I received confirmation that this letter was received by a person on XXXX XXXX at XXXX XXXX  ( attached confirmation ), therefore, request to dispute was confirmed that it was received by AmSher within the 30 day timeline. As of today, XX/XX/XXXX, I have yet to receive any communication from AmSher regarding validation of this debt. They did not provide what they are required to provide by the 30 day period of receiving my request. 

On XX/XX/XXXX, I received notification that this debt, that has not been validated to be mine nor has my dispute been acknowledged, was reported to the Credit Bureau ( confirmation screenshot included ). This has negatively affected my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX there was an advertisement on XXXX from a woman with username XXXX  She was teaching a class about finance. Her website was XXXX. I clicked on her ad and she said the class would cost XXXX. I sent the money to XXXX. After I sent her XXXX she said I needed to pay XXXX  for some mining fee. I sent the remaining to a XXXX. I realized I was being scammed when she kept asking for more money and fees. The website she uses doesn't even work and I was never given any materials to study. She completely lied about her class and scammed me. I reached out to chase fraud department and they did absolutely nothing for me. I been a loyal customer of chase for a very long time. I even paid off an entire mortgage using Chase bank and they dismissed everything. I reported my case to the Texas attorney general after chase wouldn't help me. Next I'll report to the local police department. Please help me get my XXXX back. I was totally scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
Today XX/XX/2021 I got a letter in the mail from an attorney/mediator offering their services because I had a lawsuit filed against me that I was not aware of. As of today I have not been served any papers or notified by the debt collector XXXX XXXX XXXX or its attorney Mandarich Law Group. When I looked up my case number provided to me by this third party I found that they filed a case against me dated XX/XX/2021 with a court date of XX/XX/2021 ( 20 days from today ) and still have not been notified by the debt collector. I initially hadn't been making payment because I simply couldn't afford it. My job wasn't paying enough for me to pay my expenses and manage my debt. Then the pandemic started and I got laid off so I really didn't know how I could pay my bills. I finally got a job that allowed me to start paying off my debts and started making payments to this account through online bill pay with my bank on XX/XX/2021. My first payment was {$100.00} and then I continued to pay {$25.00} a week until XX/XX/2021 because I caught XXXX and couldn't work so I had to once again play catch up with my finances and I reduced the frequency of my payment to {$25.00} a month so I can also pay off other debts and my bills. In total, I have made {$350.00} in payment over the last 4 months and have another {$25.00} payment scheduled for XX/XX/2021. I called to see why a lawsuit was filed against XX/XX/2021 when I had already started making payment since XX/XX/2021. Also, I wanted to know why the company never notified me of the lawsuit being filed against me. I never received a letter nor have I been served. When I spoke to the agent she told me that she could see that I had made payments to the account and said that they filed the case because I didn't make a payment arrangement with them. She said that in order to make a payment plan she needed to ask about my financial situation and I told her I did not want to disclose that information and told her that I can and plan to continue to make payments of {$25.00} a month. She also mentioned that she saw the I was on file to be served. I still don't understand why they filed a lawsuit against me on XX/XX/2021 when I was already making payments as of XX/XX/2021 and I was never notified that they had filed the lawsuit until now which was by a third party in an effort to represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: PA

Complaint narrative:
I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX XXXX  on my Experian consumer report. XXXX XXXX  did not have my permissible consent to obtain my consumer report from Experian. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages I was humiliated by Experian for sharing my consumer report with another corporation. My credit score went down at least 10 points I demand them to raise my score and {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.

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 2021-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
This car is a fraud loan I don't have this car and the charge me too much on use car. They would have someone taking car at shopping mall all time I had this and charge me XXXX for car they sold to someone else. I know santander has lawsuits on loan. If they right off XXXX why I still have XXXX. Somethings not right on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021, my credit card wyndham rewards/visa, from BARCLAYS Bank was charged fraudulent with an amount of {$7500.00} as temporary authorization, balance transfer, that day I call to the customer service ( XXXX ) XXXX to report this, and replace new credit card. Them on XX/XX/2021 that charge was posted on my credit card account, in amount of {$7500.00} plus {$150.00} as balance transfer fee an total of {$7600.00}. Also, I call to Police Dept. and report this incident, in XXXX, XXXX XXXX, New York. 
From Barclays Bank, I receive new credit card and a letter let me know they investigating and may be, an resolution in 60 days. 

I did some investigation and found that transfer was made to XXXX XXXX  in Ohio, Bank Routing Number XXXX, Checking Account ending in XXXX. 
The application was made as XXXX TO CK ACCT- XXXX XXXX Amount : {$7500.00} BALANCE TRANSFER FEE. Amount : {$150.00}

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 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I currently have a mortgage with rocket loans, they approached me about a refinance. They did a hard pull on my credit without authorization from me.

Company response to consumer: Closed with explanation