vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/2021 we ( Suburban XXXX XXXX XXXX XXXX ) sent a wire to PHH Mortgage Services Payoff Department in the amount of {$320000.00} which showed on the bottom line of a mortgage payoff letter, however that bottom line was not the payoff amount but the Original Principal Balance. The Payoff amount was {$280000.00} a {$40000.00} difference, when I called PHH I was told to send all documents to their research department at fax # XXXX, which I did. When I hadn't heard anything I called and was told they can not help me because the monies will be given to the mortgagee and not returned to us even though we sent the wire. Unfortunately the borrower has been in the XXXX  having XXXX XXXX and I am not able to get in touch with her.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
WHY : a. I opened a checking account with XXXX around the beginning of XX/XX/XXXX and transferred {$25000.00} from my Chase Checking Account to the newly opened XXXX Checking account. It was sent from Chase on XX/XX/XXXX and received by XXXX on XX/XX/XXXX. 

b. This {$25000.00} that was transferred to XXXX from Chase was later returned to Chase on XX/XX/XXXX, but in this process I am missing {$9700.00}. 

2. WHAT HAPPENED : a. I had made some transfers into my Chase Checking Account from my XXXX XXXX  XXXX in preparation to fund it which went through initially. So, I had enough funds to make that {$25000.00} transfer from my Chase Checking Account into the newly opened XXXX Checking Account. The problem is the transfers from XXXX were later rejected by Chase and returned to XXXX. However, the {$25000.00} transfer from Chase to XXXX had already gone through. This led me to have a negative {$15000.00} balance on my Chase account and this is also when Chase closed my account and restricted my access, saying they would reach out to tell me how to fix my negative balance. 

b. Chase never reached out. However, when dealing with a situation with XXXX ( OCC case # XXXX ) I found out that XXXX had returned the {$25000.00} transfer to Chase on XX/XX/XXXX. In XXXX response to my OCC case, XXXX said they returned the {$25000.00}. 

c. The problem is after this {$25000.00} was returned to Chase the negative balance in my account was corrected to {$0.00}. This didnt seem to add up as when the account closed my balance was at - {$15000.00} so the return of {$25000.00} should have brought the balance back to what it was before that {$25000.00} transfer went to XXXX from Chase which was {$9700.00} d. I went to a Chase Branch on XX/XX/XXXX but was told that they couldnt assist me and that I would need to call Chase because they had no information on the matter. I tried calling Chase multiple times, but whenever I would ask where this missing {$9700.00} was, I was either put on hold for hours or just hung up on. 

Please let me know if there are any additional documents you require or questions that you have. I am eager to provide them and solve this situation as Ive been very worried. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
I have written several disputes to FIRSTPOINT COLLECTION RESOURCES INC, and they have never responded at all. I have no idea who FIRSTPOINT COLLECTION RESOURCES INC is or why they are on my credit. I have rights! I demand that you help me! They are not allowed to report accounts that are not validated to the consumer! Please help me!

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 when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On Thursday XX/XX/XXXX I received an email from Experian stating my credit score had changed. After checking for the change on XXXX website I noticed Experian or Fico dropped my score 53 points!!!! The reason they gave was " Increased usage on my XXXX XXXX account ''! The problem with this excuse for dropping my score 53 points is I haven't used my XXXX XXXX card since they increased my score to XXXX! My overall credit usage is 22 % and my XXXX  XXXX account only shows {$310.00} used on a {$500.00} ( The real amountowed is {$250.00} ). This is retaliation for the dispute already filed about their questionable practices!!!!

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: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
During the course of establishing billing notices, I opted to be notified by electronic means. United Wholesale Mortgage, UWM, agreed to provide said notices without paper billing, a decided advantage to them. The company then proceeded to send billing notices based on receipt of the previous monthly payment plus 31 days. Per the record from my account website the following occurred. 
The XX/XX/XXXX billing was sent by email on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XX/XX/XXXX. The XX/XX/XXXX statement was sent on XXXX/XXXX/XXXX now 17 days late. I was charged a late fee. At this point I realized that a payment I had made in XX/XX/XXXX had not been properly credited. I made 2 monthly payments in XX/XX/XXXX but was given credit for one monthly payment and a payment to principal. This was not what I had requested and after conferring with a customer service representative, it was corrected, the late fee rescinded and no adverse credit reporting was made. I received a corrected statement on XXXX/XXXX/XXXX. The next statement for XX/XX/XXXX arrived in my email on XX/XX/XXXX. The XXXX statement arrived on XX/XX/XXXX. I paid as soon as I received this statement although it was not on the first as provided. The XXXX statement arrived on XX/XX/XXXX. I paid this statement on XX/XX/XXXX as I was out of the country and did not have a secure connection. The XXXX electronic statement arrived on XX/XX/XXXX which was a day after the date that caused late charges to accrue. I immediately made payment. I immediately contacted a customer service representative. The representative said that UWM had set up its electronic billing so that it did not generate an electronic monthly statement until receipt for the previous month was made and then 30 days later. Thus, the electronic statement was not sent till after late charges accrued because of the method of electronic billing by this company. The representative told me the late fee would be waived because it was the company error on the billing. When this did not occur I contacted the company again. The representative I spoke to advised that since I had a previous waiver due to the company mistake in XXXX, I was not going to get a waiver and I must pay the late fee. I tried again in writing by email and was ignored. Thus, the company billing scheme appears to generate late payments and increased late fees of {$42.00}. I want the fee waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I was logging into my a account on my phone an I couldnt get to my money to Change an they continue to leave my account in the negative balance

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion is reporting that six ( 6 ) accounts has ever been late, when in fact, I identified only three ( 3 ) accounts that is listed in the attached dispute letter. I am requesting that TransUnion correct their reporting to reflect true and accurate accounts as ever being late to my credit file. If TransUnion identify three ( 3 ) additional accounts outside of the three ( 3 ) accounts that I identified and shown in the attachment, that they please provide me with this information vial mail.

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: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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: Incorrect information on your report — Information belongs to someone else
Company: Great American Finance Co
State: NJ

Complaint narrative:
I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : SYNCHRONY BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: DE

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERASSIST AR SOLUTION ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I called at XXXX XXXX  on XX/XX/21 to make a payment because I was unable to make it online. After being connected to the rep, I am told what my payment options are. I choose to use a bank draft instead of a card. I am then told that the only way I can pay is with a card and I will be charged a {$7.00} convenience charge. With no other options to pay, there is no reason a fee should be charged. This practice is abusive and greedy so KMF can make even more money. I was already charged a fee for the returned payment, which I agreed to in my contract. I did not sign up to be swindled out of more money just to make the missed payment.

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: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken loans/rocket mortgage pulled my credit with a hard mortgage inquiry without my knowledge or consent on XX/XX/2021! I have tried to resolve this issue with the institution without any success. This matter is very upsetting to me and I feel violated that a company could even go to the extent to pull my credit with a hard inquiry without my knowledge or consent!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am unable to use debit cards to load money onto my XXXX rewards debit account. 

I last loaded it with a debit card on XX/XX/27. A few days later I was unable to load it with the same card. I called chase and was told it was a problem with the bank who issued my debit card. I called the issuing bank and they clearly noted the charge was processing fine and chase was reversing it. 

I called Chase again and this time they said it was because the card was being closed and I can no longer load it at all. After we hung up, I was able to load it with my Chase Checking account. 

I called Chase again and was transferred to XXXX because 'they work with the rewards program ' I spoke with a friend on XXXX who was able to load his chase XXXX XXXX card with a debit card without any issue on XXXX. 

I called again on XXXX and this time was told that my card was closed on XX/XX/XXXX, and when I pointed out that I both used and loaded it ( with chase checking ) on XXXX than she said it's being closed in XXXX and she can't help or look into anything else.

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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX Landline : ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX ) attorney, medical release proves fraud they're saying never issue my records to Citizens Bank Hello, Respectively, hear me out ; all my records were without express consent, according to the written letters below. 

XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX XX/XX/XXXX, Citizens Bank XXXX XXXX Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No # XXXX. 

XXXX XXXX, the merchant who supplied XXXX XXXX medical and financial records, are those details accurate. 

I received a letter from the Office of the Attorney General. Enclosed was an admission from XXXX XXXX 's attorney XXXX XXXX XXXX - XXXX, XX/XX/XXXX, states they did not provide Citizens Bank with any of my information. If this discovery is true, how would Citizens Bank receive private HIPPA data without permission? Let me be clear ; this has nothing to do with the documents I provided ; that is not what's relevant. 

What's relevant is the message from XXXX XXXX 's attorney that is my concern. Is there any truth to what their attorney disclosed? Who's telling the truth? Although no one believed I have ethics, morals, and integrity, do I want to be reimbursed {$7000.00} for services that were not rendered absolutely? After all, I was there, so who would know better what happened. 

However, this is much weightier than XXXX dollars if the facts you provided are the truth that changes the narrative ; in other words, XXXX XXXX committed an unlawful act by misrepresenting Citizens Bank and XXXX XXXX. XXXX XXXX tainted representation by way of fraud. Fraud is an offense that captures a wide range of conduct. I am not surprised by anything they say or do ; after all, scammers and con artists are significantly good at what they do. 

I look forward to hearing your thoughts concerning this matter. Thank you for your valuable time. 

Sincerely, XXXX XXXX See attachments : Document : Office of Attorney GeneralXXXX Document : XXXX & XXXX XXXX XXXX XXXX XXXX Document : XXXX XXXX, Office of the Chairman, CFPB Case Number : XXXX Document : XX/XX/XXXX, Citizens Bank, Reference Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ref. No # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2021, I tried to make a on-line purchase for a table from Ashley Furniture XXXX The purchase was declined three times, and I did not know why. I called Ashley and was informed that I was using the incorrect address, so I verified the address and went back online and was able to make the purchase. Ashley still has the three declined charges as pending on my account even though they were declined. I spoke with their CS agent and was told the three pending charges should fall off in about two months. That has not happened. I spoke with a CS representative and account manager from Ashley yesterday and was told a disputed charge claim would be submitted. The charges were declined by Ashley so why are they showing as pending to begin with? I spoke in length yesterday with CS about the issue and today when I checked my account, they put another charge on my account for the same amount dated XXXX XX/XX/2021. I did not make any purchases yesterday. I canceled my Ashley Furniture card today after speaking with their CS and fraud department. They seemed unwilling to acknowledge their mistake and fix it expediently. I am a XXXX XXXX XXXX veteran, and I believe Ashley is trying to defraud me. I would like help with this issue. Thank you.

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 2021-10-08 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: Self Financial Inc.
State: CA

Complaint narrative:
Paid off loan early and reporting late payments for XXXX and XXXX Self just closed the account in XX/XX/XXXX when final payment was XX/XX/XXXX.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I received an inquiry alert, I called the company to inform them I didnt not request any line of credit. I was told theyll note the account as fraud. I received another notice that an account was open, I called again to inform them this is not my account I was ask to send a police report. I had to go get a police report for an account I acknowledge when the inquiry hit was not mine and they proceeded to allow the account to be open. Police report completed and sent to the company. I was told it was an online account, my last call I ask why would they not have two factor authentication ( this helps with seeing that the address used I never had any affiliation with ), I didnt really get an answer as it wasnt her position to speak on 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 non-monetary relief