vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX charged us a monthly fee ( {$24.00} ) for several months in late XXXX and early XXXX, charged on or around the XXXX of each month, unauthorized and so fraudulent. During COVID lockdowns and disruption, we did not receive paper Chase statements, timely. We only noted the fraudulent charges upon reviewing paper statements. We live in an area that does not even have XXXX ( XXXX XXXX, NC ). We contacted Chase ( XX/XX/XXXX ) to resolve these fraudulent charges, as XXXX was non-responsive. We also asked how this could possibly happen, as our credit card was replaced during the period of fraudulent charges and we received an inadequate response from Chase that XXXX ( XXXX, Amazon, etc. ) can apply charges to credit cards even after replacement? We then received a letter ( XX/XX/XXXX ) from Chase stating the investigation was resolved, that " ... You notified us that this transaction is valid... ' and that the charges would be applied in a subsequent billing cycle. This is a lie- we never notified Chase that any of these transactions were valid ; it is unacceptable Chase allows our credit card to be subject to fraudulent activity, that Chase apparently is aware of and continues against us and others, to this day. The incompetent 'investigation ' speaks for itself. We have canceled the Chase credit card, and we will not pay for fraudulent charges. This will likely show up on our credit report, adversely to us. What is a consumer to do, to protect themselves from this madness and unethical behaviour?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My mortgage was transferred from XXXX to PHH Mortgage effective XX/XX/XXXX. The taxes and home owners insurance were due in XXXX of 2021 and were not paid from our escrow account. In XXXX of 2021 I received notification of delinquent taxes and that my insurance had not been paid. I contacted PHH Customer Service on XX/XX/XXXX to inform them of the issues. PHH mortgage gave me a fax number to send the notices to and I faxed them the following week. In XXXX I received additional notices that the taxes and insurance payments were still delinquent and that my insurance would be cancelled at the beginning of XXXX. I called PHH Customer Service again, they said that the taxes would be paid but they needed me to send the insurance binder. I sent the insurance binder to PHH on XX/XX/XXXX. As of XX/XX/XXXX the insurance was still not paid so we paid it to avoid cancellation. The city sent us a third delinquent notice on our taxes so we are about to pay that as well. PHH has demonstrated an inability to manage the routine administrative aspects of keeping our mortgage and our property in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: MA

Complaint narrative:
My account is administered by TRI-AD and the custodial bank is UMB XXXX XXXX. On XX/XX/2021 my HSA account was transferred to this provider by the previous provider as I switched employers. By the end of XXXX I still had not received a monthly statement and I called on XX/XX/2021 in order to figure out why one had not been generated. They stated that a statement is only generated when a purchase is made with the card. Despite the activity in the account in the previous month, they would not generate a statement. Activity in the previous month included transfers from investments and " Benefit Administration Fees '' of {$2.00} on XX/XX/2021 and XX/XX/2021. Then on XX/XX/2021 I made a purchase using the card hoping that would generate a statement at the next month-end. However now it is XX/XX/2021, and no statement has been generated despite another Benefit Administration Fee occurring on XX/XX/2021. 
Given that this account was transferred from a different provider, I still haven't even received an initial statement from this provider, and despite the activity, they refused to generate an account statement. Finally, after making a purchase which they stated would generate a statement, one still hasn't been created. I couldn't even close my account if I wanted to, as I don't have a statement. This Company is intentionally making it difficult and expensive for people to close their account and charging fees that are far above industry standard without giving individuals a choice in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: AZ

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
{$2500.00} was sent using XXXX on XX/XX/2021, that money is still pending in my account today, XX/XX/2021 and my account is now showing $ XXXX with 36 pending transactions. I was told by BOA that sometimes it does this if it is not the same bank however the very next day the same exact person sent me {$250.00} and it was immediate!! XXXX says the issue is not on their end, it is 100 % Bank of America. I need my money released so that my account is not negative. It appears they are purposely holding my money to charge overdraft fees.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: HI

Complaint narrative:
On XX/XX/XXXX an account was opened for an debt that is and was owed by me in the amount of {$120.00}. This was sent to collections and appeared on my credit report as a derogatory mark. I have not received any documentation or correspondence regarding what this debt is in regards to nor how to resolve it ( pay it ). I have disputed this amount twice now, and still have yet to have it removed as of XXXX. I have received false debt collections on my credit report previously as well, so I suspect this may be due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: LEXISNEXIS
State: TN

Complaint narrative:
I have recently been made aware that LexisNexis has illegally obtained my personal information including a bankruptcy without my consent and has been selling that information to various other consumer reporting agencies including, XXXX, XXXX, and XXXX. 

Pursuant to 15 USC 1681 ( a ) ( 4 ), Congress states " there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for a consumer 's right to privacy. Also, pursuant to 15 USC 1681 ( a ) ( 2 ), Congress states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates '' I have not, at any time, given Lexis Nexis written instructions to report a bankruptcy on my consumer profile. This act equates to Identity Theft. I have sent a letter to Lexis Nexis asking them to remove my information from their database, which they have received via certified mailing. ( attached below )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX PULLED MY CREDIT REPORTONXX/XX/XXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXX/XX/XXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX S.CarolinaXXXX , no phone number was supplied.

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 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Approximately at XXXX, I spoke with a representative from Global Lending Service that For which whom I contacted in reference to my auto loan which was a consumer credit transaction. Pointed out violations including the finance charge, down payment and right to rescind. I also stated that I would like for the contract payments to immediately become ineffective for violation reasons, and requested {$0.00} balance auto loan on all three credit reports while also demanding rightful possession of title in hand. 15 USC 1605, finance charge is the sum of all charges. 15 USC 1692e false and misleading representations, 15 USC 1692j furnishing certain deceptive forms. I was never given any notices or forms to fill out for the rescission process. Any deceitful practices are in non compliance of congressional law. 15 USC 1692k civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX PULLED MY CREDIT REPORTONXXXX, AFTER CALLING SAYS IT WAS IN REGARDS TO A CLOSED CARD DATEDXXXX, THE INFORMATION WAS GIVEN TO XXXX XXXX XXXX XXXX XXXX XXXX , no phone number was supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I mailed certified letters out to XXXX, Tran Union, XXXX, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, Equifax, and XXXX requesting them to remove Dept of Ed/ XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from XXXX but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I mailed certified letters out to XXXX, XXXX XXXX, XXXX, and Experian requesting them to remove Dept of EdXXXX XXXX XXXX XXXX in the amount of {$170000.00} off my credit report. I only heard back from Experian but they did not provide the original indebtedness in its original form. 

( I am disputing this account according to the FCRA for reporting incorrect account numbers not matching with only one open date. ) I've asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original { INK } signature.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/2021 Td Bank charged me a late fee of XXXX dollars on XXXX finacing account. The payment was not due until the XX/XX/2021. I made my payment XX/XX/2021. I called them XX/XX/2021 ask them about the fee they said it would be automatically reversed off my account. They prematurely charged me a late fee before I was late. I asked if they can remove the late off the statement because I was never late. Ask to speak to a supervisor. They hung up on me. I need to show this statement for a different kind of credit application. But not with the late fee nor a statement reversal charge because I wasn't late. Now the days that the late charges where on the statement changes my compound interest on my deferred interest. And if I don't pay this promotion off in time they will accure more interest and more money off of me due to there error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I received a letter from CHASE bank notifying me that my credit card account would be closed on XXXX XX/XX/2021 because CHASE had previously closed a previous account. 
This card, which the bank has unfairly decided to close, was opened this year when I applied for rewards at XXXX XXXX XXXX. Once I received this credit card that was issued by CHASE, I believed that the bank had already reviewed everything and decided to approve me and that there would be no backtracking in this decision. 
I was approved and started using it and accruing benefits soon. 
It is the second time that I have suffered unjustly this type of damage from this institution. Last year without any explanation, my business account was closed despite the claim that I made and this year while I was enjoying the benefits of this second chance with this institution, I also received this discriminatory action towards my person and my credit. You can check my credit history to verify that I take good care of my finances and I consider this to have happened as a violation of my rights because I have not committed any fault for them to take this type of action on me and affect my economy. 
I am very sorry that this type of situation is repeated and affects people like me who do not deserve this type of damage due to unfair and discriminatory decisions. 
I hope you can reverse this situation and give me the opportunity to reestablish good relations with this banking institution. 
I can attach a copy of the letter issued by the CHASE bank last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I have received a number of calls saying I owe over {$600.00} in debt for a XXXX XXXX credit card that I have never had at all. I informed the company that I did receive a card for {$50.00} and that was it. But after speaking directly with the company they said I also had received a card {$300.00} and I informed them that I had never seen or applied for such a thing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has misapplied payments on my loan ( # XXXX ) in XXXX causing me to be in default due to their admitted error. On XXXX/XXXX the payment was received and applied to the XX/XX/XXXX payment, loan was current. {$970.00} paid on XX/XX/XXXX by their request should have applied to the XX/XX/XXXX and XX/XX/XXXX payments. Why would Wells Fargo apply as a principal balance payment when there were XXXX payments due? Another normal payment of {$410.00} was sent in XX/XX/XXXX that at that point should have been applied as a current payment for XX/XX/XXXX. Then as their letter provided continues to state, they keep attempting to apply it to payments not yet due, so it is rejected. If the loan had past due payments, why arent the funds being applied to the past due amount? 

I have continued to make the monthly payment since their error and even though I pay every month, I am still considered in default. I have continually been assessed late charges due to Wells Fargos error of misapplying these payments and forcing me to be in default. The late charges of {$1000.00} need to be reversed and the funds applied to the principal payments need to be reversed and applied to the overdue payments to bring the loan current as they should have been in the first place. 

I can not tell you how many people have promised to remove the over {$1000.00} in late fees over the years and have never done it. I even spoke to Wells Fargo life events team lead named XXXX XXXX four times between XXXX XXXX of XXXX and she agreed with me that the late fees would be removed and she said her assistant XXXX would take care of it and to give her 24 hours. It has been over XXXX months later and they still have not been removed and this letter says they have no plans to remove them because my mother XXXX XXXX, the holder of the loan, had passed away in XXXX and they didnt get rid of the late fees for deceased people until XXXX. All that means is they stopped charging me phantom late fees ( even though we arent late ), but her having passed away has nothing to do with this. Its all about Wells Fargo misapplying the payments and no late fees would ever have been charged if they wouldve been applied correctly. They acknowledge they misapplied the payments in their letter but they say too much time has passed to reverse them. This is on them, not on me. I only sent in the money they requested and they misapplied it and here I am 10 years later still arguing over this! I have requested a payment history back in XX/XX/XXXX and they did not come up with it until XX/XX/XXXX, after continually asking for extensions. Any help you can give me in resolving this would be greatly appreciated. I dont want to lose my home over a clerical error. 

Sincerely, 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 monetary relief