vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX Mortgage XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selene Holdings LLC
State: PA

Complaint narrative:
Reference - Selene Finance Loan # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) Investor, XXXX XXXX XXXX XXXX XXXX XXXX purchased the delinguent mortgage/loan on my property. When they took over the mortgage/loan, they initially utilized XXXX XXXX XXXX to service the loan. The property was in foreclosure and owner had property listed for sale as XXXX XXXX and owner were working together. An offer was received and submitted to XXXX XXXX who then submitted to Investor. Investor provided an approval to XXXX XXXX which was communicated to owner that the offer was accepted and owner could execute the Agreement of Sale which Agreement of Sale was executed on XX/XX/XXXX, XXXX 

Shortly after receiving the approval and executing the Agreement of Sale, XXXX XXXX advised owner that Selene Finance would be taking over the servicing of the account as of XX/XX/2021. 

Owner had great difficulty communicating with Selene Finance after XX/XX/XXXX, and although despite the numerous communications initiated by owner and despite communicating the urgent nature of the communications with Selene Finance due to the pending settlement date of XX/XX/2021 on the subject property, Selene Finance failed to accept the urgency of the situation. In fact, Selene Finance refused to accept that there was an existing sale approval and insisted that they had to start the process all over again despite being provided the email communications with XXXX XXXX approving the offer and the execution of the Agreement of Sale between buyer and owner. 

Buyer and owner proceeded to settlement pursuant to the Agreement of Sale but Selene Finance would not approve the settlement stating that there were insufficient funds being netted to the Investor. Selene Finance and/or Investor caused the breach of the Agreement of Sale. Buyer has been advised that he will be sued by buyer and other interested parties, such as realtors, as a result of the breach of the Agreement of Sale. Investor and Selene Finance are attempting to fraudulently collect funds in excess of what they have already agreed to accept as a result of their prior approval of the Agreement of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2021, I submitted a payment to pay my credit card at XXXX XXXX XXXX But, the incorrect amount was charged as my whole balance was paid and only requested minimum payment to be paid. I contacted XXXX XXXX and was told I would have to communicate with my bank. I did that I filed a claim with them and sent in the documentation they requested, which was documentation of the correct amount to be paid. I sent it in by mail. No response was given to me that it was received like I was told. I then send it in by mail. Without looking at the documentation THAT THEY REQUESTED I was told that there was no error in my claim and that it was closed. How can a claim be done with no investigation. CAPITAL ONE investigated my claim without looking at the documentation they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the Capital One credit entry ending ... XXXX - I submitted a request for " full accounting '' and/or account validation to Capital One. I requested in my dispute, state & USPS verified proof of my address that matches that of your credit application and installment contract, a copy of my state issued driver 's license or state ID that will bear a signature that matches with any relevant applications signatures for credit ; showing that I have ( or have ever had ) a contractual obligation to pay them. In a validation dispute, the furnisher is to provide a call log of any phone calls made to or from this furnisher, proof of any previous unanswered disputes. I requested to this furnisher to provide Capital One 's bank statement referencing account # XXXX to verify payment history in comparison to the credit entry. They are bound by law to provide the full accounting and billing statements, and all accounts receivable and payment history including but not limited to, payoff receipts, and credit protection acceptance or decline document. Included in their response, should be the Capital One account terms, and conditions document, and any kind of arbitration agreement. Also, provide names, addresses, emails and phone numbers of the individuals you spoke with so that I can follow up. Instead, Capital One responded with a letter that has " not one '' of the attached requested account validating documents ; There was no reasonable investigation conducted. Capital One never validated the account yet continues to report the account to my credit file. This is violation of FCRA-15 U.S. Code S1692g-Validation Of Debts, The 15 U.S.C. 1681s-2 ( b ) -Obligations To Investigate, and FCRA S611 ( 15 U.S.C S1681I ) - Procedure In Case Of Disputed Accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recieved a letter from JPMorgan Chase Bank, N.A., XXXX XXXX XXXX, XXXX, DE XXXX dated XX/XX/XXXX that said " We received an application for a new XXXX XXXX XXXX XXXX XXXX account with your name and Social Security number on it. We need to verify that the application is yours. Please call us to confirm your application .... '' I did not make that application. On XX/XX/XXXX I called the number in the letter to say I did not make that application. I was transferred to the Fraud Department and a recording said my wait was over XXXX minutes. I literally waited for XXXX minutes and finally hung up. I called back today ( XX/XX/XXXX ) and kept getting transferred. The verification team said an application was opened with my name, social security number and address, but they could not close out the application and transferred me to the fraud department. After another XXXX minute wait, the fraud department said they couldn't close it and I had to talk to the the verification department. Then I was transferred to customer service and waited. Then I was told I had to speak to the Fraud Department. Then I asked to speak to a supervisor who said I should have been transferred to the customer protection unit. When I was transferred there, a person named XXXX said I should not have been transferred there and that he could not do anything, only the fraud department could handle it. I literally spent hours and hours on the phone, but have not been able to verify that the application was closed or there was any kind of fraud alert put on it. It was a horrible experience getting transferred by people who continually said they had no authority to do anything and I had to speak to another department. It was completely unreasonable and unrealistic to protect people from identify theft. There appears to be something weird going on with this company too because most of the time you get transferred ( even if its a different day ) an automated message says that your wait time is over XXXX minutes, and it is! All together you will literally spend hours trying to get satisfaction to no avail. Are there that many people with problems? Are they all victims of identify theft involving this company? Also why do so many representatives give you information and then another representative says its incorrect and you never resolve the problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMMENITY CAPITAL BANK IS STILL REPORTING ON CREDIT WHEN ACCOUNT WAS PURCAHSED BY ANOTHER LENDER KNOWNING AS XXXX XXXX XXXX C/O XXXX XXXX SERVICES WITH INCORRECT AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A transaction was made on XX/XX/2021 to a user named $ XXXX via the app XXXX in the amount of {$280.00} for goods I had purchased. A second payment was sent on XX/XX/2021 in the amount of {$20.00} for shipping costs related to the first transaction, however that second charge was disputed with my bank ( Bank of America ) and resolved. The other transaction was not. 

The person I made the transaction with used an app called XXXX to list fake items to sell. I had purchased a necklace from them not knowing it was a scam because they had used photos of another person 's listing illegally. They then proceeded to contact me under the XXXX XXXX XXXX and now XXXX and tell me they can not use XXXX to process the payment and insisted on XXXX. Thus, I made the transaction. After a few days I kept inquiring about the tracking number to no avail and they made excuses as to why they could not ship said item. Suddenly the account disappeared and all contact with the merchant was cut. I immediately requested a refund on XXXX which was rejected. Since I had no other choice I filed a dispute with Bank of America to which they responded that I can only directly contact the merchant to get my money back. I'm not able to do this since I have no personal information of this scammer and this was a fraudulent transaction. I did not receive the goods purchased and was scammed into sending money via the app XXXX because there are people conducting fraud on it. 

My dispute to BOA was submitted on XX/XX/2021. It took them over a month to respond to my claim. Bank of America had me to believe that they were reaching out to the merchant 's bank and that they would reach out to me on my end to describe the situation and provide documentation but after over a month they randomly closed my case with no support. 

I reached out to a XXXX  named XXXX through XXXX XXXX 's support and she stated they are unable to cancel or refund the payment and that I'd need to resolve the issue with the recipient of the money directly. I stated once again I'm unable to do this. It was very unhelpful and I'm reaching out to the CFPB to step in and provide some resources to get my money back to the rightful source and to make sure this person stops scamming people because they could still be listing items to get people 's money. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Franklin Service , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Toll-Free : XXXX Client Services : XXXX XXXX XXXX XXXX is original account holder. This account was settled XX/XX/2020. This Franklin Services is trying to collect from an already settled account in which I have a receipt from the XXXX XXXX for equipment I returned. Franklin collections is the 3rd. company I have had to dispute this with on my credit reports. It comes off my report then returns with a different collection 's agency. I am retired and tired of having to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: MN

Complaint narrative:
I thought part of the American dream was to acquire, obtain, and maintain credit. It is what helps each citizen here experience the most fulfilling experience in this country, so when I applied for business credit as well as personal credit I had no idea Chase ( Card Services ) would be pulling my credit ( giving me a hard inquiry ) and making decisions on my account based on what I am doing outside of paying Chase on time, frequently, and with minimal issues. I believe this to be a violation of FDCPA 1692 D as i am considering legal action in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Online, I temporarily lifted a credit freeze from Experian to apply for a credit card. The card issuer said that I need to provide a PIN. The only PIN I have is the XXXX to my account/lift the freeze, which I'm not giving out to the bank. I can't redisplay the webpage to get the confirmation page to view a PIN ( if any ). I called Experian, and went through their entire phone tree, but none of the choices applied, and I could not figure out what to say to get the automated assistant to send me to a live person. She ( the recording ) even said that she was only authorized to transfer callers under very specific conditions, which she would not list. My complaint is that their phone system is absolutely set up to keep callers from reaching a live person. A company with such power, and with a history of settlements for misleading practices, should not be allowed to avoid customer issues so effectively.

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 2021-12-16 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: CA

Complaint narrative:
Re : Inquiries Confirmation # XXXX The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order D ) employment I did not authorize and do not fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX NC - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX Equifax comes back next day with a response of inquiries are factual record of file access and will remain I filed a claim with FTC which I have uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
We began with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was a check that did not arrive so we submitted payment over phone XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds did not come back to our account. We had to submit another XXXX for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome requested to send the payment back, on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage was transferred as of XX/XX/XXXX. 
This is my second submission of a complaint to resolve this issue as AmeriHomes response was insufficient and the complaint was closed. 
The XXXX customer service manager XXXX XXXX, responded to the complaint saying the new mortgage company XXXX mortgage now has the payment and thus the complaint closed. When we talked to XXXX, they do not know what we are talking about and have only our loan debt on record. When trying to contact AmeriHome, you are routed to a sub-company and none of the phone numbers on the company website or in letters is a direct line. 
XXXX XXXX provided her direct number in the previous complaint and said to call with questions, but does not answer and has not returned any of my numerous voicemails with extensive information on who I am and how to contact me. 
For more info : previous closed complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was informed by my credit monitoring service that a collection from Choice Recovery , Inc., this debt collector was contacted on this day and I was informed that the address that they have on file has incorrect street number and therefor I never received any written communication from the original debtor nor the collection agency. The dental office that placed in collection has had a communication with me since XX/XX/XXXX to file an appeal with my insurance company which was received by XXXX XXXX on XX/XX/XXXX. The collection agency also advised that they were not made aware that this claim was in an appeal process. The collection agency should be required to remove all derogatory reporting from all 3 credit bureaus due to the Fair Credit Report Act not being followed allowing me 30 days to dispute the validity of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blackhawk Network Holdings Inc.

Complaint narrative:
Ok so I was buying a XXXX XXXX XXXX from the official XXXX site. XXXX uses XXXX and I was not aware of the bad reviews of this site thus making me buy 3 XXXX XXXX XXXX 's which each cost {$10.00} making it {$30.00}. After I purchased them 5 minutes after I received an email saying " We're sorry. We were unable to process your XXXX XXXX XXXX order from XXXX. 

Settled charges will be refunded to the original form of payment. Pending authorizations do not represent capture of funds and will expire according to the policies of the financial institution. '' And after a long 6 hours I have not received any money on my debit card. 
The customer support doesn't give a XXXX about you. They don't even bother to respond. 

Sites that led me to purchasing the gift card : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation