vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-22 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: NJ

Complaint narrative:
Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the XXXX XXXX and equifax regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF THE WEST
State: TX

Complaint narrative:
Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.

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 2021-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX there were three transactions that were fraudulently purchased on my credit card. The three transactions were from XXXX XXXX XXXX - {$390.00}, XXXX XXXX - {$410.00}, and XXXX - {$130.00}. The moment that i realized i had fraudulent activity on the account i called Bank of America 's fraud department to report the charges - they gave me a temporary credit and stated they'd be conducting research. On XX/XX/2021 i received notification that the claim was denied due to the fact the card was " present '' therefore, i made the charges and i would be responsible for the charges. I immediately called the fraud department again, at the time of the charges I was XXXX at home unbeknownst to me i actually had XXXX which i tested positive for on XXXX ( I sent them this documentation as well ) I have spoken to the fraud department numerous times to follow up on the case to no avail. There is no valid reason why this fraud claim could possibly be returned as though i conducted the transactions due to the fact that i sent in a letter from an immediate XXXX stating the days I was out of work, i have the XXXX positive test and the fact that i have not once before claimed a fraudulent charge when there was not a fraudulent charge. I am so disappointed in the fraud process due to the fact that they state " Zero liability '' on fraud purchases. These are fraudulent purchases and I have heard plenty of stories that Bank of America does not pay out fraudulent activity due to the fact that they are awaiting a way for us as consumers to prove that we are innocent. I am a Bank of America associate and i handle my life with integrity and honesty and i am very concerned at the lack of thorough investigation via the fraud department. I would not ever consider defrauding ANY bank and the fact that they are making me feel like a criminal due to their fractured fraud system is beyond me. This situation scares me because if i had not been XXXX XXXX XXXX during this time how would i be able to prove that i infact did not conduct these transactions. I have submitted a police report, a personal letter to Bank of America, a reference letter and the XXXX XXXX tests - what more else can i provide to prove my innocence in regards to these transactions.

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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I discovered on XX/XX/23 that my ~ $ XXXX in funds on Binance US is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail- didn't even get a response from them whatsoever, and it's been A MONTH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This is follow up to the complaints XXXX XXXX & XXXX ) from XXXX. I am attaching the last responses XXXX XXXX XXXX from Mr. Cooper had sent to my complaint where they had assured that the escrow was wrongly put into my account and that they had credited the amount that was being reflected. 

Things worked well for a couple of months - however, I just received another letter in the mail asking me to pay up the exact amount and showing that as a negative escrow balance. The reason being provided that those funds were used to pay for property taxes. As far as I am concerned, my property taxes ( both installments ) have been paid by me - the 2 dates as XX/XX/XXXX and XX/XX/XXXX for the 2 installments ( which correspond to the dates the checks cleared my bank ). 

It is possible that Mr Cooper sent the tax payments to the county - however, that is not reflected on my property account and it is between MrCooper and the county to work out how to resolve that payment. In the meantime, I want my escrow balance to be zero and this matter closed. 

I reached out directly via email to Mt XXXX XXXX and also left him a voicemail - I have had no responses at all. This is very typical of the customer service of Mr Cooper - no response and absolute silence. 

I have attached the 2 responses that were sent to me in early XXXX as well as the copy of the letter I received and my property tax records directly from the county at XXXX : XXXX XXXX : XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
1. My first request was On XX/XX/XXXX ( I requested from XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from Selip & Stylianou , LLP and XXXX XXXX XXXX XXXX XXXX Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. All Selip & Stylianou , LLP keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave Selip & Stylianou LLP consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation.

3. Selip & Stylianou LLP have ruined my reputation. That is a violation.

4. Selip & Stylianou LLP are using false & misleading representations. That is a violation.

5. Selip & Stylianou LLP are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation.

6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( Selip & Stylianou LLP ) are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.

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 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
A person claiming to be called XXXX XXXX requested to book my XXXX beach rental property but said his company was paying for the trip and he needed to send a check. I said ok but said I wouldn't confirm until the check was received and deposited. A week later he contacted me through XXXX saying there was a " mix up in the payment sent to you, I was supposed to receive two separate payment one for you and the other for my vacation planner, but unfortunately the whole sum of these 2 payments were issue on 1 check in your name and sent to you. And I don't know if you can help me with the difference once the check clears your bank please advise to be on the same page. '' I offered to refund the difference when the check arrived if he provided their name, address phone and email so that I could contact them. Then he asked to text me and I told him that was not possible until the transaction was completed. Then he sent me a .pdf with his name address and phone number. I think I tried to call or text the number and it didn't work Then he texted me from the number above and said the check was on the way via XXXX and gave me the tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX He texted that the check had arrived. I deposited the check electronically and waited a day. Chase showed the funds had been deposited. He asked me to send the balance {$3400.00} to XXXX XXXX email : XXXX. He asked that I first send {$1400.00} and 'text me the confirmation screenshot once I confirm it I will advise you to proceed with the balance. '' The Chase XXXX transaction numbers were XXXX, XXXX, and XXXX completed on XX/XX/XXXX and XX/XX/XXXX. Friday morning XX/XX/XXXX the bank said the deposit was rejected. I called Chase to reverse the XXXX transfers and was told that since I initiated the transfer they could not be reversed. This XXXX XXXX person continued the ruse saying he would get the money back to me. I told him I was reporting him to the authorities. On Saturday XX/XX/XXXX he texted " Hello '' and that is the last exchange I have had. To add insult to injury, I was charged a {$12.00} returned check fee by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: MA

Complaint narrative:
For over 4 weeks, I've received between 4 and 10 phone calls a day from a variety of fake numbers that hang up on me when I answer. When I call back, they proudly announce that I have called Frontline Assets Strategies and proceed to illegally record the conversation without consent. My state requires all party consent.

At least 8 different numbers are used and the people who answer the phone are using fake names like " XXXX '' and " XXXX '' and other decidedly fake names from clearly foreign sources. 

( XXXX ) XXXX ( XXXX XXXX XXXX As I have absolutely no unpaid debt. I use my debt card for all purchases and the number they call is an unlisted, unattached, Do-Not-Call Registry number this is obviously fraud. They continue to call after being repeatedly told not to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I hired the installation of a generator in my house and signed the application form for financing when I was approved. 
When the generator was installed, and it took almost 3 years, I received the credit card, stating that I would have to pay the full amount in 18 months or would have to pay interest of 26.99 % per year, like any credit card that kind does. 
Of course, I believed that the interest would start to affect the balance and after 18 months, but that was not what happened. 
In the middle of a pandemic, after I paid {$6300.00}, the credit card applied {$5700.00} to my balance of {$8000.00} and now it will still apply the 26.99 % each month, as a result, I paid {$6300.00} for 18 months and now I will have to pay another {$5700.00} plus the balance and more interest on the total. 
I contacted the bank asking to pay the full balance without interest on XX/XX/XXXX, but they declined to receive it since payment is due on theXX/XX/XXXX of each month ( attached ). 
The refusal is not acceptable, so I think that : 1- The calculation of interest must be applied to the balance, not to the initial total amount ; 2- Interest must be charged from the end of the promotional period and can not be retracted ; 3- The modification occurred during the period beginning on XX/XX/XXXX, and ending earlier of XX/XX/XXXX, or 60 days after the end of the national emergency. 
4- Section 4013 of the CARES Act ( 15 U.S.C. 9051 ) is amended on XX/XX/XXXX in subsection ( a ) ( 1 ), by striking XX/XX/XXXX and inserting XX/XX/XXXX ; 5- I have requested all of my statements from the first to the oldest that appear on the website that dates from XX/XX/XXXX and they do not provide it to me. 

The complaint is for Syncrony Bank to withdraw the abusive interest because the change occurred during the term of the Cares Act and the amendment of XX/XX/XXXX. 

Or remove the interest on the entire amount and start charging on the balance and from the end of the promotional period. 

Provide me with all statements from XX/XX/XXXX to XX/XX/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 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelliloan, Inc
State: CA

Complaint narrative:
I started a re - finance with Intelliloan in XX/XX/2020 and was supposed to close in XX/XX/2020. 
loan amount - {$340000.00} I have been calling and e-mailing with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: FL

Complaint narrative:
EQUIFAX IS IN VIOLATION OF SECTION 609-811 OF THE FCRA AS THEY ARE CURRENTLY REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE ATTEMPTED TO RESOLVE THIS MATTER BUT THEY HAVEN'T RESPONDED. 

THE ITEMS BELOW ARE WHAT IM COLAINING ABOUT. : XXXX XXXX XXXX { ACCOUNT } INQUIRIES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. 
ADDRESSES : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX GA XXXX XXXXXX/XX/XXXX, XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
On XX/XX/2021 I contacted Medicredit to see if they would offer me a settlement for the {$250.00} balance that's showing on my credit report. They agreed to a settlement of {$170.00} which was paid the same day with a representative from Medicredit. 

The representative told me that my credit file would be updated to reflect the paid amount. I asked her how long does it take them to update with the credit bureaus and she then stated that unfortunately they would not be able to update my account because they are showing another balance owed for approximately {$1800.00}. 

I explained to the representative that there is nothing showing on my credit report reflecting that amount. The rep then stated to me that it does not matter if its not reflecting on my credit report all that maters is that it's reflecting in their system. I explained to her that I'm not going to pay for something that I don't owe. 

To this day nothing has been updated to my credit report, as a matter of fact they reported on XX/XX/2021 that I still owe the {$250.00}. 

I've called a few times to ask them to update my credit file and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by JPMCB AUTO. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
First, I called the company many times was frustrating because Chase 's representatives kept me on hold, they didn't process the postponement in XXXX. 
After that, I tried many times to contact a Chase representative but I never got help from them, I didn't get any late payment notification. 
In XXXX, the website did not allow me access to do a postponement. 
My family was physically and monetarily affected by XXXX. I lived one of the worst moments of my life, I didn't want to lose any member of my family. 
We spent a lot of money due to that difficult situation, I think JPMORGAN CHASE representatives weren't ready to listen to me or take any action to help me. I will forward this complaint to California Attorney Generals office and Senator XXXX XXXX office, for violation of the CARES ACT. 
I hope top get a fair solution to this issue. ll be filing a small claims suit in XXXX XXXX XXXX next and subpoenaing all of XXXX records, if they dont remove the late remarks or the entire account 's tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLATINUM HOME MORTGAGE CORPORATION
State: CA

Complaint narrative:
For the 2nd year in a row, money was taken from my escrow account and paid for a hazard insurance policy for another account. Apparently my insurance carrier inadvertently sent them a bill for another property I own. Last week I received a letter from Platinum Home Mortgage stating they had paid premiums for both my prior ( there was no prior ) and new insurance companies ; and that now my escrow account could ( would ) be short ; and my payment might ( will ) increase. I called them and asked why they paid a bill which clearly showed it was for another property. They told me I was my responsibility to contact my insurance company and see why they sent them 2 bills, and that I now need to send them more money or have my payment increased.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal requested a photograph of my Social Security Card in order to verify the account which I had with PayPal and used for over 10 years now. The company does not make it clear why the actual photograph of the Social Security Card needs to be transferred over the internet for such " verification ''. Additionally I would like to observe that neither my bank ( both traditional banking checking account, and credit card services ), nor my retirement account brokerage firm, nor my employer have ever requested a photocopy of the Social Security Card.

I had called PayPal to ask about this, the estimated hold time was 1-2 hours and the robotic system offered a call back. When the system called back ( at XXXX EST, XX/XX/2021 ) and I was connected to a live human agent the call was immediately disconnected after I inquired about the legitimacy of the request for photo of my Social Security Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account for no reason and nobody can help me out, there are never any representative available, they held the money for 180 days since XX/XX/XXXX and it over already, my children need help from me, and i really need this money back to me, this is my email : XXXX and the Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
They have not released my escrow refund after closing a loan over a year ago i have sent them letters and tried to call them and have sent emails. they said the sent us check number # XXXX in amount of {$1000.00}. and we never received it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22 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: Nevada Credico, Inc.
State: NV

Complaint narrative:
I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.

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