vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
We are homeowners in PA in XXXX XXXX and are in need some assistance. Any help is appreciated. 
We had a 2nd Mortgage through GMAC Mortgage Co XXXX XXXX. The mortgage was taken out on XXXX, for {$40000.00}, loan # XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. As I understand this both companies are now out of business. I have a letter from XXXX that the mortgage lien was paid off XXXX. We refinanced it through XXXX XXXX XXXX XXXX into our new 2nd mortgage on XXXX. My problem is that is still showing up on my title search report. I am in need of a Satisfaction letter to be sent to the Recorder of Deeds Office in XXXX XXXX Pa so they can record the Satisfaction and remove the lien on my property. 
Ive done quite a bit of work researching this, and have had no positive results. I can not find the current Agent of Record that I can speak to and obtain the aforementioned Satisfaction piece. Please Help. 
Ive included for your review : a copy of that mortgage, a letter from XXXX stating that there is no lien to remove as it is satisfied, a copy of the title search showing the lien is still active on my property, an excel sheet listing the places Ive reached out to and the results, as well as a trail of emails that show weve tried working on this with other companies. 
Ive filed complaints with XXXX of XXXX, Federal Reserve Board, Attorney General, and XXXX XXXX XXXX. 
I dont have the money to file a quiet title with a lawyer, and Ive already paid once in my loan to satisfy this. 

Please help ASAP, as were trying to refinance to combine our mortgages into one right now. This is causing the hold up.

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 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
error info on 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX  should not be reporting to XXXX  ; XXXX  and Transunion a collection/chargeoff in the amount of {$570.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove this however, I have not been successful.

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I was sent a phishing scam that allowed access to my coinbase account. Although I acted quickly to disable my account, approximately {$170000.00} worth of digital currency was converted to XXXX and sent to a wallet without any in house measures by coinbase to stop or cease the transaction. I tried calling them, filed a complaint, but they have no live agents, or automated methods to help me, and have not contacted me in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I already reached out to the credit bureaus and to CAPITAL ONE BANK USA N and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the date of XX/XX/XXXX I had my money stolen from my bank account without my authorization I dont know how that happen because my card has always been with me and I dont share my card with anyone else. I had {$1000.00} taken out from my bank account from this bank XXXX XXXX and this is the place where the money was taken out XXXX XXXX XXXX XXXX XXXX XXXX XXXX .after seeing that I called the XXXX Bank of America support center and they froze my account and replace it with a New card. They are investigating right now and it says that it can take 45 days. Im out of money and I need it to pay bills I filed a police report already with my local police here in XXXX XXXX. Please help because a lot of people in my situation are been taken advantage by the criminals and we are suffering. We want them to be XXXX  and have a solution to this ongoing problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was a Simple bank customer for several years. Simple shut down and all accounts were transferred to BBVA on XX/XX/XXXX I thought I would give the new bank a shot. Instead, I've been locked out of my account with no access to funds for 4+ days. They're not answering the phone. I've called 3 times with more than 1 hour wait times. 

They're not emailing customers about the problems. We have to follow XXXX to get updates, and they're not telling us when the problem will be fixed. All they're tweeting about is the call center availability. 

Thousands of people are without access to their money right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I contacted JPMCB, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$2000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has been holding {$50000.00} of mine " XXXX  '' since XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a wire transfer in the amount of {$50000.00} from my newly opened business checking account ( XXXX XXXX XXXX ) It was being sent to a recipient I had already sent to before from my personal account. The money was taken from my account immediately, but the wire WAS NEVER SENT. ( screenshot attached ) I then received a message from their " secure messaging center '', because it is impossible to speak with a human being regarding this. The message asked for more information, specifically the birthdate of the recipient. I responded with the correct information. 

3 days later I received a response asking for the same information. I responded with the correct information. I received no response. 

At this point I became very concerned with the safety of using Chase for global transfers and asked for the wire to be canceled. I also enlisted the help of my local branch manager who have been spending hours trying to help. It is impossible to effectively communicate with Chase online or on phone. 

FINALLY after requesting over 30 times, the wire was canceled/rejected on Thursday XX/XX/XXXX. I received an email from Chase saying the wire was cancelled " due to a processing issue '' ( screenshot attached XXXX Though the money was taken from my account, it was never sent to anyone, so Chase still has the money. This has been confirmed by the branch manager. 

It has been a week now since the wire was canceled, and they still have not returned my {$50000.00} to me. They have been impossible to communicate with. 

They assigned the case to the executive office where I spoke with someone named XXXX. He was not helpful and did not ask me a single question. He did not reassure me in any way and was generally dismissive. He gave me no clear timeline and as not returned my calls. He said he has until XX/XX/XXXX to respond to a complaint. 

He could not explain to my why the money was taken from y account, the wire was canceled and the money wasn't returned. 

This whole situation seems highly unethical, if not criminal. 
I'm going to default on my tax obligations and other debts without this money. 

The branch managers of Chase have been trying to help me and have made me very concerned. They are are unable to get information, and have eroded my trust in Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Repeatedly call 5-10 times per day and email me 3-4 times per day, at all days and hours. It is extremely annoying!!! Today, for example has been XXXX XXXX  and XXXX XXXX  so far. Yesterday, it was XXXX XXXX, XXXX XXXX, XX/XX/XXXX, it was XXXX XXXX  and XXXX XXXX. It is getting to the point where I want to shut my phone off ; that is how frequently the calls are coming!

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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This is a formal complaint against Southwest Credit Systems located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX  and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am being pushed to accept a mortgage on my home I never agreed to pay. 
The lender produced a Trustee 's Deed where the grantor transferred the property to the grantee, and claimed this obligated me to pay the mortgage. 

In Colorado, a trustee 's deed must be accompanied by a promissory note and must be in writing. 
It must clearly state the exact amount the borrower has to repay. The borrower has to sign the document. Without the borrower 's signature, it's not legally binding. The lender can sign the document, but it's not mandatory. 

I never signed, or even saw a promissory note. 

I was never contacted by the company that holds the mortgage, nor notified in any documents that there was an unpaid mortgage in regard to this property. The money owed was never mentioned in any communications during the course of the property transfer - until after a Quitclaim Deed was filed in my name. 

This can't be binding, or legal.

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 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am in a program with a seller whom I gave a {$6000.00} down payment and a portion of my rent goes towards the principle of the loan/or at closing. My seller now has accumulated {$16000.00} of my cash.I have 3.5 % to bring to closing on my home loan that should be {$110000.00} for the amount financed. The original purchase price is {$130000.00}. The amount paid to seller is {$16000.00}. Bringing my total cost of the price of the home down to {$110000.00}. Additionally, I will pay another {$500.00} for the home inspection. I have been pre-approved through Rocket Mortgage and I am in fear of losing my house because they keep changing the stipulations on me. They are telling me that the seller has changed the price of the house to I {$130000.00}. I have spoken with the seller of the house and he agrees with me that the closing price will be {$110000.00}. Rocket mortgage is telling me that I need to bring {$20000.00} to closing. I only have {$9000.00} in my bank. They initially told me that my closing cost would be included with my loan and that the only thing that I need to bring is less than {$4000.00} to closing. They keep changing the stipulations but refuse to talk to me. I have been refused a supervisor and I have also been reassigned to another loan specialist who refuses to talk to me. I had a meeting to speak with him this morning and wanted to include my dad because he understands finance language. Again the loan specialist refused to speak with me saying that he does not have time to explain things to me and I need to figure it out. Please audit my account, do you have my permission to pull phone calls, and help me. They tell me they do not have time and that I either do what they say or they will dissolve the loan. I need help because my family and I will not be able to close on this loan and we fear being outed to the street. We have lived in this house for three years abiding by the sellers program and we are in good standing with him. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from 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 2021-05-12 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: OH

Complaint narrative:
Superior FCU should not be reporting to Equifax ; XXXX  and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Superior FCU should not be reporting to XXXX  ; Experian and XXXX  a collection/chargeoff in the amount of {$570.00} on the SUPERIOR FCU partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was paid off by the insurance company and should not be reporting as a collection/chargeoff. I have attached a copy of the payment history and any outstanding balance that was due was paid by the insurance company. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus as well as Superior FCU to remove this however, I have not been successful.

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 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hi there, I was a client of Simple Bank. Simple was recently purchased by BBVA. BBVA did not send easy instructions on how to setup my new account and in the process my account was locked. I'm now completely locked out of my savings and debit account unable to access my money. No one from the bank is accessible to help me with my issue. Many Simple customers are now stranded without any access to their accounts and without any support from BBVA. I've been waiting for some sort of email communication letting customers know how to resolve these issues, but we haven't heard anything from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
ive tried to deal with the credit bureaus on these matters in several occasions there is fraudulent info on my report and im going to sue due to no other recourse

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