vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or about XXXX XXXX, XXXX Chase Bank froze my checking account, with a balance of several XXXX dollars. They did not notify me when it was frozen, I found out when my debit card ceased to work. I immediately contacted customer service by telephone, and I was informed that my account was frozen due to a XXXX payment I received on XXXX XXXX, XXXX in the amount of {$830.00}. This payment was sent to me by XXXX XXXX XXXX in payment for an aircraft part. Mr. XXXX apparently told Chase Bank that this was fraud, and he had not authorized the transaction, when in fact I have multiple emails from Mr. XXXX proving he authorized the transaction. I went into my local Chase branch and spoke with the manager, XXXX XXXX. I showed him the email chain of my communications with Mr. XXXX whereby he ordered the part from me, and offered to pay via XXXX. I also provided the USPS tracking number which showed the item had been delivered to Mr. XXXX 's address. I explained that there was no fraud, and that I have had the account open for almost a decade, and Chase was being unreasonable to freeze my entire account balance over this XXXX payment. The manager, Mr. XXXX, agreed that it made no sense that my account was frozen, and agreed to bring the matter to the attention of a regional vice president. He made copies of all the documents I provided, and he assured me I would hear back from someone within 2-3 business days. As of today, XXXX XXXX, XXXX, a full week later, I've heard nothing from Mr. XXXX or Chase Bank, and my account remains frozen. In this time, I've missed a credit card payment that was set to auto-pay from this account, and my personal check to pay my XXXX property taxes has not been cleared, both of which will result in late fees and penalties. At this point Chase has frozen my account for over two weeks, causing me financial stress, and damaging my credit rating. I demand that Chase Bank un-freeze my account, and reimburse me for any late fees, penalties, or other charges that result from their action of freezing my account. I also demand that Chase Bank repair any damage done to my credit by their unilateral actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I noticed a ton of inquiries on my credit reports that I did not authorize. I started disputing these unauthorized inquiries with the credit bureau on XX/XX/XXXX and they did nothing. I went on to dispute these inquiries on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX. They have not done the proper investigation into these items and they continue to unlawfully validate these inquiries yet failed to provide sufficient proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
In XX/XX/XXXX we entered into a forbearance plan for the months of XXXX, XXXX and XXXX. My mortgage company PHH Mortgage called me in or about XX/XX/XXXX. I was informed that the FHA insurance had been approved to cover the XXXX through XXXX amounts. I was told to resume my payments on XX/XX/XXXX. I paid my mortgage payment as agreed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this time I received calls from PHH. In late XXXX PHH said that they did not receive documents from me. I told them I sent them in the self addressed stamped envelope. They sent new documents for me to resign which I did. I also had tracking placed on this return envelope. I talked to PHH again on XX/XX/XXXX at when I was told everything was in order again. Then as I began to make my XXXX payment it would not take my payment. I called on or about XX/XX/XXXX I was told the notary on the previous document was no good because the doc had my name as XXXX XXXX and I signed in front of the Notary as XXXX XXXX XXXX ( which is the name on my deed and how I have signed my name since I was 12 ). I sent up an appointment with a loan specialist on XX/XX/XXXX, I was told they would send a new packet for me to start over and that I would have to do another forbearance. So feeling like I might be in trouble I agreed. I never received another set of papers to start the FHA insurance claim again. They never arrived so on XX/XX/XXXX I called PHH again where the person told me they did not need to send paper he could do the claim over the phone. I did this and he told me to call back in about 10 days. I also discussed the fact that my credit report was reporting me 120 days late and I felt that this was bordering on negligence maybe even criminal. On XX/XX/XXXX I called PHH again to check on the claim. I was told it was still pending and they would have a relationship manager call me on the XXXX of XXXX at XXXX. They also said they had not addressed the credit reporting of my mortgage. This continues to go in circles, the left hand knows not what the right hand is doing at PHH. I am able to resume my payments but can not get anything straight from PHH. This is resulting in stress over my family home and a bad mark on my credit report. Maybe the CFPB can help to get them to resolve this matter and stop sending me from agent to agent to hear a different excuse and kick the can down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I have requested on several occasion verification of this debt and no response from the creditor. I have sent numerous debt validation/verification request to this company regarding the debt, but never receive a response back and it's been over 6 months there for I am requesting the removal of this debt PER the FCRA and FDCPA they are in violation OF THESE LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Letter from XXXX XXXX, In XXXX Texas amd XXXX Id phone XXXX I received a bill for UNKNOWN services ... supposedly XXXX..never did any busness with them. The amt was for {>= $1,000,000}. But if i paid NOW it would be only {$19000.00}! 

Their account number for me ... .. account Number XXXX. Came from XXXX XXXX I called to see if they were a real company wanted more info from me ... .including mu Social Secirty number. 

These people are obviosly crooks. 

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, I was contacted last week by a woman named XXXX XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in XX/XX/XXXX. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is ( XXXX XXXX XXXX extension XXXX. 
She also called me from ( XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX  and XXXX  to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I refinanced on XX/XX/XXXX with XXXX XXXX. Their servicer is XXXX  XXXX XXXX. I made my XX/XX/XXXX payment to the money source on XX/XX/XXXX. Then received a letter that my loan had been transferred to Lakeview/XXXX XXXX as of XX/XX/XXXX. 

Around XX/XX/XXXX I started receiving threatening robo-calls from Lakeview/XXXX stating that my mortgage payment was late and threatening to report to credit bureaus. I set up an online account with Lakeview, and I can see that they have not recorded my XXXX payment that I made in XXXX. They also have my escrow account at {$0.00} even though about {$5000.00} in escrow was paid at closing. 

The robocalls have continued. I can't set up my XXXX payment because it still says XXXX is due and I am afraid if I pay the normal amount, they will try to apply it to their illegal late fees. After I complained, they locked me out of my account permanently and I can't log back in, even after requesting new password, etc. 

On XX/XX/XXXX I tried to reach a human via their automated system. After going through 30 minutes of menus, I reached a point where I could leave a callback number. Two days later, on XX/XX/XXXX they called me back WITH AN AUTOMATED VOICE telling me to go through the automated system again. Finally I reached a human after a lengthy hold. I told her to cease and desist with the illegal debt collection calls because I have paid my mortgage on time. She said the system makes calls automatically and there is nothing she can do. She tried to tell me to make my payment and eventually they would sort out the late charges and apply it to XX/XX/XXXX. I refused until I am provided an accurate statement. She couldn't answer why they have locked me out of my account. I believe it is so I don't have access to the falsified statements that they are providing me and as retaliation because I have already filed a complaint with the Texas Mortgage and Savings department.

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 2021-02-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/21 the balance was paid in full for {$9800.00}. The finance company refuses to update my payment in full and the account I showing as open when it should be closed and paid in full. Why is that if I miss a payment, these companies will report. But as soon as you pay your balance off in full, they fail to report it on time. And this is causing my DTI to seem high when its not if they would just update the account status.

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 2021-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I keep disputing through my credit reporting agencies, and the Company itself that this is not my debt. I do not even know what this debt is for. I have been disputing this since it's been reported back in XXXX, but my requests go unheard and unaddressed. I believe this company is falsely using my identity to collect on someone else 's debt and has provided zero proof on this debt and to prove that this debt actually belongs to me. I also receive no notification of this debt, to allow me to dispute within the 30 day period. How is that even legal? 

Under Section 609 of the Fair Credit Reporting Act- '' if the disputed information can not be verified or confirmed, then it must be removed ''. 

I have requested several times to have this debt removed, and no communication back, other than their request to keep open and that this debt is valid, without any proof supplied. The are falsely using my identity, and therefor, need to remove this information and close this debt from the three credit reporting agencies. I believe XXXX  has already removed, due to lack of proof of financial responsibility. 

They then sold my information to another third party company to now collect, and they won't stop with the harassing emails. The company who they sold my information to is XXXX XXXX in XXXX, KS on behalf of XXXX XXXX XXXX , XXXX. Crazy too, because the address in the email they sent, I have not lived there since XXXX and the debt was from XXXX. Makes no sense at all. THIS IS NOT MY DEBT!! 

Date reported to Collection Agencies : XX/XX/XXXX Collection : Trident Asset Management Amount : {$77.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have an account with Coinbase. I initiated a {$12000.00} transfer from their website coming from my XXXX XXXX  account. The transfer was successful. Coinbase initiated a 2nd unauthorized {$12000.00} transfer that was declined by my bank. Coinbase then proceeded to remove XXXX XXXX ( XXXX ) from my account ( the equivalent of {$12000.00} ). There never should have been a second transfer attempt, Coinbase had the proper amount of money transferred to them, and they had no right to steal any of my assets. I have been emailing them and trying to contact them since XXXX XXXX. They do not have any way to contact them directly and they do not respond directly to my emails. I do not know what to do ... The attached file clearly shows the $ XXXX transfer from my XXXX XXXX account. The other attachment shows where I purchased XXXX then sent it out on XXXX XXXX. Then it shows a negative purchase ( removal ) of XXXX from my account on XXXX XXXX. They do not show and never credited me for the $ XXXX transfer shown in my bank statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I saw an XXXX ad for CareCredit suggesting that it can be used for any health procedure. I applied under that assumption on XX/XX/2021. I then contacted my doctor and they said they do not accept the form of payment on XX/XX/2021. I immediately called CareCredit and was told that closing my account will not affect my credit score and that XXXX can remove the Hard Credit report check on XX/XX/2021. I called XXXX and they said I need a letter of Deletion from CareCredit/Synchrony Bank and gave me their phone number. I was then told that they will not do this as it does not fit federal protocol. I proceeded to contact XXXX and they let me know my credit report was pulled twice by CareCredit for one account and to submit a dispute with them to have it removed on XX/XX/2021.

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 2021-02-18 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: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding innacurate and unknown things on my credit report and have still not received a response. I believe I am being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 so the accounts should be removed. I request that these accounts be removed immediately as I have been stressed out over this situation and will file for litigation if the items remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: AR

Complaint narrative:
I have disputed some erroneous accounts with Equifax, XXXX and XXXX but have not received responses from the attached letters sent on XX/XX/2021. I have provided the certified mail receipt numbers for the letters sent. 

Certified mail slips for attached letters XXXX XXXX XXXXXXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TX

Complaint narrative:
Since XX/XX/XXXX I have been requesting that equifax provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical consumer contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every dispute was investigated by equifax and the results were " verified ' and updated, however equifax did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XXXX XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XXXX XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4700.00}, # 6 XXXX XXXX open date XXXX XXXX original amount {$790.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to you to make you aware of the unethical practices of US Bank headquartered in US Bank XXXX XXXXXXXX XXXX 
XXXX. MN XXXX. 

I have communicated with them on several occasions ( ongoing for about 2 months ) regarding my forbearance due to Covid-19 and each representative I have spoken to will not provide me with the information I am looking for. I have consistently paid my mortgage for 5 months now and none of those payments show up in my account as being paid. There has been several representatives that have verbally confirmed that I have been taken out of forbearance since I have been making payments consistently. However, the funds have been unapplied '' to my account. I have requested that the forbearance status be removed on several occasions now since I have been making my monthly payments on time. I am currently going through a refinance and originally I was told by US Bank representatives that they would provide me with a letter stating that I am out of forbearance so that I am able to proceed with my refinance and lock in a rate. Fast forward to now, XX/XX/21, I was on the phone with XXXX XXXX, one of their supervisors who insisted that she was not able to help me and provide a letter? So, now I am not able to lock in a great rate that will save me money and proceed with my refinance as planned due to their negligence and stringing me along for months to prevent me from refinancing elsewhere. 

Please let me know if you require any additional information. If they are doing this to me I am sure they must be playing this same game with many of their other customers. 


Regards, 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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am filing a complaint against Nationstar Mortgage, LLC Mr. Cooper I recently purchased a home on XX/XX/XXXX through my mortgage company, XXXX XXXX XXXX. I completely own this house through XXXX. 

On XX/XX/XXXX, a woman rang my door bell for the second time in 1 months time. She stated that the company she works for is asking for interior check on my newly purchased home and that her company thinks the house is vacant. Both times I told her obviously the house is not vacant since I am speaking with her. 

The first time she came, I spoke with her through XXXX XXXX and she went away. The second time she came, XX/XX/XXXX, I came to the door because she had given me a paper with a number to call. ( Please see attached ) I called the number and no one there is able to assist me with this issue. So, I've called my POC for my mortgage. She stated that this company is indeed soliciting and trying to get me to refinance my home. This is a super weird, unprofessional, and scary way to advertise about a refinance! I live alone, so to have a random person keep knocking on my door about a vacancy on a house that I clearly own is frightening and unacceptable.

Company response to consumer: Closed with explanation