vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found a puppy for sale online. 
I asked them lots of questions including name and contact info. 
I spoke to the person on the phone, exchanged many emails detailing the contract. 
A contract was signed and we agreed to send the individual {$700.00}. 

We sent the individual the payment in full through XXXX directly from the Chase Mobile app. The individual confirmed that they got the payment and even followed up with asking for us to pay for a " COVID Crate '' for the puppy to travel in on the flight. I then googled this COVID Crate and found that this is a common scam. I asked for a refund and called the person who then denied to give us a refund and admitted that it was a scam. 

When I reached out to XXXX, I was directed to go through Chase to dispute the transaction. 
When reached out to Chase I was told that this type of transaction is not protected and that I the only thing that could be done is ask for a " Courtesy Refund '' which basically requests a payment reversal through XXXX, but the scammer has no obligation to accept. 

It was unbelievable to me that a company ( XXXX ) who uses banks to track these transactions are not willing to track down and persecute known fraud or even offer any assistance to me. This should be defined more clearly through the XXXX app and warnings should be issued when sending money to a new contact - instead the money was transferred instantly and is now gone forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED TO AUTHORIZE ANYTHING. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY 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 explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
upon checking my credit report i noticed that i have fraudulent accounts on my file. i reached out to fix problem but i have not been help in any way from the crb

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
UNITED COLLECTION BUREAU Contact XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am an identity theft victim who's right on the federal law have not been protected. Over the course of the last three to four months I have worked vigorously to correct the damage to my financial reputation. These debts have not been validated in substantial way as of yet. Yet it serves no purpose other than to cause inflammatory prejudicial harm to my financial reputation and credit reports. Be outright benign effort on behalf of Experian and XXXX to disregard federal laws in regards to my identity theft case has caused further duress and hardship to my children and myself. I'm a single parent of XXXX  children without a vehicle for transportation and my financial accounts have been drained to nothing. I have supplied the necessary police reports, FTC affidavits, as well as verification of my personal identity. There are federal laws and state laws as well that govern how they are supposed to deal with identity theft victims yet in my case they have not been adhered to nor respected at the very least. Clearly no one individual can purchase five to six vehicles within a two and a half year period of time and default on all as one example. In fact as some items have been disputed and deleted multiple other fraudulent accounts where added to my reports with malice. In those situations some of the same items that are on my credit report in 2015 some which were deleted are now resurfacing again on my credit report as current debts. There has to be some level intervention by some entity that can help in the resolution of this horrific nightmare. So far XXXX and Experian particular have not accepted that responsibility.

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Focus financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$300.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. RentDebt Automated Collections , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX I received an offer from Chase to refinance my existing mortgage held with them. I submitted the online application and received a follow-up call from XXXX XXXX where she quoted a 30-yr fixed loan rate of XXXX a full point lower than my current loan that made it an easy decision to proceed with the refinance. The same day I submitted all requested documents and received the mortgage commitment letter on XX/XX/XXXX. On XX/XX/XXXX, I received a call saying that my HELOC with XXXX XXXX  would have to closed in order for the refinance to proceed. The explanation given was that XXXX XXXX is refusing to perform subordination. The same day I called XXXX XXXX and they were surprised by Chase 's claim and didn't have any records of Chase requesting subordination and in general, don't have any issues conduction the subordination process. I communicated back to XXXX and she promised to follow up with underwriters. On XX/XX/XXXX, I received an email from XXXX XXXX again asking if I made my decision to close HELOC. Again, I asked for a reason why it should be closed. This time the explanation is given was that Chase guideline restricts subordinate financing with a prepayment penalty. I asked for an explanation of how the prepayment penalty would come into play but was told to set up a call with their manager for an explanation. I sent two emails to see when manager XXXX XXXX is available to discuss but never heard back. On XXXX I received a voicemail stating that the subordination restriction is not set by Chase but by XXXX XXXX policy and Chase can not proceed with refinancing unless I close HELOC. Given that this is a regulatory policy, I asked for a policy excerpt referenced in this decision hoping to find an explanation of how the prepayment penalty would come into effect if I'm planning to keep HELOC open but received no response. On XXXX, I received a call from XXXX XXXX, again pressuring me into closing HELOC, and was told to lookup XXXX  XXXX XXXX policy online if I need further explanation. Followed up today XX/XX/XXXX but received the same no answer. 

As a result of Chase 's incompetence, deceptive practices, and, more importantly, indifference I am no longer able to secure a loan with other lenders with the same terms which I could potentially suffer financial loss for the next 30 years. 

Keep in mind that I am Chase 's long-time customer, with an existing mortgage through them, with perfect credit history, steady employment, and sufficient funding. This begs a question, what would be the faith of someone else less qualified asking Chase for a home landing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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 — Investigation took more than 30 days
Company: ERC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
As of XX/XX/2021, XXXXLOANCARE LLC has not fully resolved my prior complaint with the CFPB. The company still has my principal and interest payment at {$2200.00}. This is incorrect. In the loan modification correspondence ( see attached ) dated XXXX, XXXXXXXX XXXX, LOANCARE , LLC. stipulated that my principal and interest payment would be {$1900.00} effective XX/XX/2021. The first payment was due on XX/XX/2021. They fixed the escrow piece that was incorrectly processed by their escrow department and lowered my escrow payment to {$950.00} via the escrow analysis dated XX/XX/2021. However, the escrow department failed to have the updated principal and interest amount in the new escrow analysis that was stipulated in the loan modification documents. The escrow analysis ( see attached ) stated my total mortgage payment is {$3100.00}. This is incorrect. The totally mortgage payment should be {$2800.00} based on the modified principal and interest, plus the new escrow amount. LOANCAREXXXXXXXX XXXX  XXXX should be shut down. Their handling of loans as a servicing company is unprofessional. I wish to be transferred to another company that will handle my mortgage payments with accuracy and care. This has been an awful experience, and I should not have to contact the CFPB to actually get things resolved.

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 2021-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
Equity auto finance Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$0.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
On or about XX/XX/XXXX of 2021 I had given XXXX XXXX right to request for my credit report and score to qualify to finance 12 windows for my home and was approved that day. I never received a copy of that information required by the FCRA. ( Please review attached text message and photo copy of hard inquiry dated on XX/XX/2021 ) On XX/XX/2021 and XX/XX/2021 Mariner Finance also requested my credit report and score which is associated with XXXX XXXX regarding their loan approval for financing. ( Please review attached photo copy of the inquiry requested on two occasion with the Credit Bureau ) I also never received a copy of the information required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I purchased a XXXX  XXXX XXXX and financed through Hyundai Motor Finance to get the {$750.00} credit towards the purchase. I was told i had to make three payments to keep the benefit. I called to confirm before i did a re-finance and they said, two payments and the re-fi payment were sufficient I paid off the loan through a re-finance on XXXX XXXX of XXXX The payment received paid of the balance and more, {$200.00} more. I have been waiting to get my refund check since XXXX of XXXX. I did a initial call on XXXX XXXX to check the status I was told it would be 45 days. I called back on the following dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 times that day ), XXXX XXXX ( twice that day ), XXXX XXXX Each time i called I was told I should have gotten my check already. Sometimes i was told my check " failed '' in processing and needed to be manually done. I was told this was done on multiple occasions and that i would get the check in 7-10 days. So after a week I would call back and be told the same thing. When i asked to speak to a manager i was told i had to physically write a letter to them regarding this issue if i needed to escalate my refund. I am told that the customer service department has no way to talk to their " payment processing '' people all correspondence is done via email. They also do not follow up with the customer, instead they tell me I have to call back to get an update ; when I do call back there is no update and they " send another high priority email. '' It seems unfair and unlawful to continue hold onto the credit from my loan balance. I paid the loan off in full and it has been XXXX months and multiple calls with them and I essentially continue to get the run around. 

Please help.

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 2021-10-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a XXXX XXXXXXXX XXXX with {$120000.00} in it. When I log into my Capital One online portal, the label on this account says : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number many times. Starting Friday XX/XX/, I spent 45 minutes on hold before I finally hung up after being transferred 3 times. On Saturday XX/XX/, I called 2 times. I was on hold for 35 minutes the first time ( after being transferred a bunch of times ), then I was on hold for 55 minutes the second time, after being promised that my call would be taken even though they stopped taking calls at XXXX and I had called at XXXX. 

Then I called on Sunday XX/XX/XXXX and got a general customer service person who told me the department I needed to talk to was closed because it was Sunday. 

I called on Monday XX/XX/XXXX and asked to speak to the fraud department. They said they couldn't find any information about why my account was " not available for withdraw '' and that they needed to transfer me to a different department ( which they refuse to tell me what this department is ) and that department is not in the office today because it's a federal holiday. I asked for them to mail me via US postal mail an explanation of why they have essentially stolen my money. They said that's not possible. The only way for me to get any more information is to continue calling and getting placed on hold for hours and getting hung up on and transferred all over the place. 

I'm starting to get the feeling that they are just giving me the run-around and have no intention of telling me why my account is " not available for withdraw ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA 
Contact
XXXX XXXX XXXX XXXX XXXX TX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY 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 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account in XXXX with capital one & then capital one sold it to Portfolio Recovery Ass. In XXXX! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery ( nor XXXX  XXXX  ) & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report to XXXX XXXX, XXXX has removed it, I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! 
THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO


Contact XXXX XXXX XXXX XXXX XXXX IA XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY 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 non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: DE

Complaint narrative:
this company is stating that i owe them a debt that was never verified. they're reporting on my credit that i owe them " XXXX  ''. 15 USC 1692c ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation