vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I began the process of refinancing my mortgage through Chase on XX/XX/XXXX. I responded promptly and on time to every request that they provided me, including uploading specific documents through their dedicated web portal. Then, on XX/XX/XXXX, I received the included letter, with a due date of of XX/XX/XXXX. However, upon reading the letter, some of the requests were very difficult to understand due to the use of sentence fragments, unfamiliar abbreviations, and poor grammar. Therefore, on XX/XX/XXXX, I called XXXX XXXX, my home lending advisor, who reviewed the document and told me that it was a system-generated letter that was not meant for customer release. He explained a few of the items on the list, indicated that others did not apply to our situation, and that overall agreed that this letter needed to be cleaned up and properly issued. He advised me that he would take this to his management team and work on getting a new letter drafted with clear instructions and an updated request for missing documents. 

On XX/XX/XXXX, when I had not heard any follow from XXXX or Chase, I sent him an email inquiring as to when I could expect to see these changes. He replied that he escalated the letter to his management team and confirmed that the letter was " system generated '' but did not provide a timeline. On Monday, XX/XX/XXXX I reached back out via email to inquire about the status, stating that even if it was not resolved by this date, I would like to have an estimated timeline by when it would be resolved. Subsequently, around XXXX XXXX XXXX XXXX, I called both XXXX and XXXX 's manager, XXXX XXXX. Both of their voicemails indicated that they return phone calls received during business hours on the same day. Neither of them answered, and I left a message for both, and have not heard back. 

Thus, at this point, I have been ghosted by the mortgage team as they are no longer responding to phone calls or emails in the previously agreed upon timeline. Furthermore, nobody has updated or revised the attached letter requesting missing documents that is unintelligible, not intended for customer release, and with issues that do not apply to my mortgage situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$23000.00}, {$39000.00}, {$10000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
As you probably already know Transunion signs people up for a credit monitoring service. They get you to give them your credit card # under the pretense of getting a free credit score when in fact they are signing you up for their worthless service. The web site hides this information in fine print and is a complete scam.

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 2021-04-13 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
The company has delinquent payments. I called to put my student loan in forbearance and the negative payments were supposed to be changed and not reflect negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased 2 items and a membership fee on Amazon.com in 2019 using Chase-Amazon card that was offered as a promotion at the time of purchase. The items totaled {$64.00}. All subsequent purchases on this account were made via another Amazon card ( XXXX-Amazon ). I was unaware that I had two accounts and made consistent full payments on the latter. I received no card, nor any bills, nor any correspondence electronically or by mail from Chase in the intervening time. 

Recently, I received mail from a collection agency XXXX demanding {$310.00} for some outstanding bill. I have no outstanding bills but I understood it to be a dental bill for my daughter where there was some confusion with the Health insurance so I immediately paid what they asked. I then received, for the first time ever, a letter from Chase saying the matter has been resolved. When I contacted them to ask them what this letter referred to they told me it was in relation to the matter stated above. I explained to them that I did not have a Chase Card and never received any prior communications from them. They said the matter had been handed over to XXXX XXXX the collection agency. 

It was only after contacting Amazon that I discovered what happened. My problem here is that I never received any correspondence whatsoever from Chase saying that there was money owed. Surely, the credit card company has an obligation to make an attempt to contact me by phone, email, or letter prior to passing the matter to a collection agency. This all seems very wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company has delinquent payments. I called to put my student loan in forbearance and the negative payments were supposed to be changed and not reflect negatively on my 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 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Norwich Commercial Group, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX Was the loan officer for my clients who are an older couple. XXXX XXXX failed to provide any documentation, loan rates, or any guidance. My clients consistently requested XXXX for communication. 

We only found out one week before the closing that XXXX told my clients that the appraisal didnt happen. When my clients and I tried to ask for explanation and dates he never responded. 

When he finally responded the day before the closing it was to say that the appraiser was going to reschedule next Wednesday. 

One of my clients who had a XXXX 3 years ago shut down and slept for 3 days because they had movers coming and they had canceled their lease at penalty since XXXX never communicated that there was any issues with the loan even when we asked for status updates he NEVER responded. 

When we told XXXX we were moving on from to another lender because that was the condition that the sellers requested to keep the deal alive XXXX called to threaten my clients saying that they will never find another appraisal and they will never close. My clients were so anxious they called me crying. 

When I told him that he can not contact my clients again he mouthed off. 

If something happens and if my clients lose out on the house and if something happens to them I will be suing XXXX and XXXX. He has not only been negligent but now abusive. It is not enough that hes incompetent and irresponsible he is threatening my elderly and sick clients. He should lose his license and I will provide the documents and testimony of my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX collections XXXX date of service XX/XX/2021. I have not opened any account with XXXX XXXX. I tried to contact compsny which was unable to give me any imformation. Filed dispute. My credit score had come down due to this. XXXX collections have added this amount. Called XXXX XXXX. No knowledge of me. I need this solved as soon as possible. They are crooks. I was on the phone waiting for someone to answer for 40 minutes so evidently they are doing fraudulent activity to collecg from people who do not owe. I have no knowledge of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
Disputing items listed on the attached letters due to FCRA 623 ( a ) ( 7 ) -negative information, FCRA 605 ( B ) FCRRA 623 9a ) FCRA 605 ( b ). There are addresses not belonging to me and have been spelled out in the letters attached. I have been caught in the XXXX  data breach and have submitted my affadavit to all bureaus, which is also attached. I am disputing negative info listed on the letters attached. I have called each bureau regarding my issues listed on each letter via USPS, fax, and electronic upload and to no avail. There are unauthorize accounts on each bureauand have been listed in each letter. Please remove these items as my family is displaced and this is preventing me from providing necessary shelter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I received a bank account statement from chase bank with around 300 transactions from dates XX/XX/XXXX to XX/XX/XXXX. Started with a deposit of XXXX cents then XXXX cents, XXXX, XXXX, ..down to XXXX cents. It was for google payments through XXXX. On XX/XX/XXXX XXXX XXXX, XXXX withdrew XXXX dollars. I dont remember having a chase account and didnt make any transactions with google or XXXX. Then I got a letter from XXXX telling me Ive had my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX  has been reporting incorrect information on my credit report. Currently, my report shows : *I have a $ 0 monthly payment making lenders assume that the account is in forbearance. 
*A 60 day late payment for XX/XX/XXXX payment which was made on XX/XX/XXXX. 

Previous reporting errors include : *The balance on the loan XXXX $ XXXX monthly payment *On time payments being reported as late payments. 

I have contacted the company multiple times over the last 3 months regarding incorrect reporting information. I was told that the issue has been noted on the account and is processing. 

Some of the issues were corrected, such as, the late payments and the loan balance. However, the $ XXXX  monthly payment was never addressed and now an additional 60 day late XXXX XXXX XXXX has been added.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/2021 received 5 different debit cards for different checking accounts that were opened in my name thru Charles Schwab Bank. I have contacted them, they stated they would close the accounts and report the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America fraudulently charge me {$12.00} / month for 3 years without notifying me in any statements because my minimum savings dropped below their threshold after I paid my taxes from their account. I spoke to multiple people across customer service, retention, fraud, and in person and not one person was able to support. Its taking advantage of consumers because theyve notified me of other accounts but failed to share this and refused to issue a refund once requested. My balance got too low so I owe THEM money? BOA is not friendly towards consumer bankers.

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 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have advised these individuals of the severe difficulties I have faced this year in burying my XXXX and my XXXX. I have spoken to this company on multiple occasions and offered resolution options that I have available to me. 

This company continues to deny my offers of resolution and continue threatening the negative impact to my credit as well as holding that in their negotiation tactics. 

If this organization is not willing to accept the resolution option that has been presented than it makes no sense that they continue contacting me via US mail or by telephone. 

I refuse to continually feel hopeless with regards to this account because the Dollar amount that I have offered, which is a fair offer, continues to be balked at by these collectors. I have XXXX XXXX XXXX XXXX and can only pay {$120.00} as full resolution to resolve and remove this negative situation from my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or 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 non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I changed my mortgage company in last XXXX due to change in interest rates. The loan is for 30 years on fixed rate of 2.5 %. I kept asking the company about the amortization statement but was only given after I signed the loan closing documents. When I received the Amortization Statement I realized that the Amerisave Mortgage is charging 84 % of the total interest in first 15 years which is half of the loan repayment period, more then 55 % in first ten years and more then 28 % in first five years. This is not fair with me. The law do not allow any business to charge interest in advance. This way I am losing my savings and profits on savings to the mortgage company. On other hand mortgage company is gaining extra profit by investing my money in their business. Please help me sort out this situation. If the loan is for 30 years then the principal amount should be charged in equal payments of 360 instalment vice versa the interest should be charged on remaining balance of every month. They are keeping the principal payments low to hide the high interest they are charging on every instalment. I have attached the amortization statement I received after the signing of closing document and also the present loan statement. I also worked out how the loan repayment should be and have submitted herewith. The mortgage company will end up charging XXXX dollars extra in interests if they follow their schedule.

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 2021-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I HAD XXXX, WHICH I BOOKED TRAVEL TO XXXX XXXX ON XX/XX/XXXX FOR TRAVEL ON XX/XX/XXXX XXXX XXXX, XXXX. 

AFTER COVID 19, HIT THE UNITED STATES I CONTACTED THE CREDIT CARD COMPANY TO CANCEL THE FLIGHT SO THAT I WOULD BE ABLE TO USE THE POINT AFTER THE COVID 19 PANDEMIC. 

I THEN HAD ON XX/XX/XXXX XXXX POINT FOR TRAVEL WHICH EQUATES TO ABOUT {$5000.00} IN TRAVEL OR OTHER BENEFITS. 

I WAS NEVER NOTIFIED OR ANY ACCOUNT CLOSURE BY ANY TELEPHONE CALL OR TO THE ADDRESS ON FILE AND THEY INTENTIONALLY CLOSE MY ACCOUNT SO THAT I WOULD NOT BE ABLE TO USE THE POINTS. 

APPARENTLY, THEY SENT A LETTER ON XX/XX/XXXX, I CALLED IN ON XX/XX/XXXX IN ACCORDANCE WITH THE LETTER AND NO ONE TOLD ME THAT THE ACCOUNT WAS GOING TO CLOSE MY ACCOUNT. 

I CALLED IN TODAY AND THEY TOLD ME THAT MY CARDS HAVE BEEN CANCELED WITHOUT MY KNOWLEDGE AND THEY KNEW MY CORRECT ADDRESS.AS SOON AS THEY REALIZED WHAT THEY DID THEY HUNG UP ON ME AND WHEN I CALLED IN THEY KEEP HANGING UP ON ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I found the goods I was looking for in XXXX XXXX, me and the seller ( scammer ) texted each other about the item in question and the payment needed, he said he only accepted XXXX. I transferred XXXX dollars to his XXXX account. And after I messaged him that the payment has been sent, he blocked me off of XXXX without notice. The scammer 's name is XXXX XXXX. And he's got an accomplice. The banks involved are Bank of America ( my bank ), and XXXX XXXX the scammer 's bank ). I've already called BofA about the XXXX transaction and the best they could do is submit a claim.

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