vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Called Company on XX/XX/XXXX to because my vehicle should already be paid in full. Pursiung to my credit contract as the holder of this consumer credit contract, as the debtor I am now asserting my rights ( Title XXXX ). The contract was paid in full at the time of signing with a negotiable instrument ( Contract / Promissory Note ) with my signature. The contract is fraud because there should be no monthly payment due. In XXXX, XXXX took our ability to pay away with physical money. Banks, dealerships are not supposed to be paid more than once and they were paid after signing in full. 

Per XXXX XXXX XXXX, I have the right to exercise my right and can not be discriminated against. 

Other violations on my contract show as follows ; There is no heading for the method determined the finance charge. There is also supposed to be a form for recission and instead it just shows a return policy. According to XXXX XXXX XXXX The creditor shall make the disclosures required by this subpart clearly and conspicuously. ( ii ). 

There is also supposed to be a notice within the form stating as follows : XXXX CFR XXXX NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

Moreover, I also mentioned with the representative that XXXX XXXX XXXX XXXX States this code gives us the power to use negotiable instruments as payment for a credit sale transaction. Please see as follows : XXXX XXXX XXXX XXXX - Obligation or other security of the United States defined. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States. 

I am well aware of my rights and I understand my promissory note was accepted, they now become the holder in due course and are liable for carrying out the order, this includes negotiable instruments. 

ALso my paperwork shows Navy Federal as the lein holder however the Secretary of state shows they are not. I am aware that the XXXX is a private business and their records are incorrect. 

Lastly I would like to add the term " Finance Charge '' does not mean loan. Under regulation Z act, the bank can not loan money and can not loan credit ( XXXX XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I've got a job offer and the company ask me to wire them money for necessary equipments for the job. They were scammers and I contacted the bank ( JPMorgan Chase ) to cancel the payment but they told me to call back once the payment is posted. So I called back this morning once it was posted and now the bank is telling me that there is nothing they can do. The scammers will not receive my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1200.00} XXXX updated 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 2021-11-30 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Dear PayPal, I am writing on behalf of my limited PayPal account due to receiving benefits as money owed from a friend. 

On XX/XX/XXXX, I created a PayPal account ( " Account '' ) at which time I agreed to PayPal 's user agreement ( " User Agreement '' ). 

On XX/XX/XXXX my account was limited due to the unemployment benefit that was received into my PayPal account. Although the unemployment benefit wasn't in my name but it was received as money payback from a friend in debt to me. My friend asked for my account and routing number not knowing it was Unemployment Benefit. 

Upon receiving the money my account got limited temporarily, which I was definitely expecting due to the high cash flow and recent scams going on. Later On my account got limited permanently which mad me very worried and concerned. I was told I was to wait XXXX days upon withdrawal, I made several complaint but I got no response. unfortunately I forgot about it due to the ongoing Pandemic. 

So I'm writing this E-mail to kindly forward this to your technical team for withdrawal of my money that has been held for quite a long period of time. 

Based on your policy it states : Pursuant to the Restricted Activities & Holds section of the User Agreement, In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not Violate any law, statute, ordinance, or regulation ( for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising. ) Additionally, you must not Send or receive what we reasonably believe to be potentially fraudulent funds. 

Based on what happened I didn't violate any of this policy, my friend paid me back with unemployment benefit, if you need any documents proving so I'll forward it to you and also I don't mind coming over to your office with my friend and also all the XXXX XXXX unemployment benefit application document and also a lawyer. 

I hope this mail finds you well kindly note this has also been forwarded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX representing XXXX XXXX XXXX pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on active duty and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a XXXX deposit into my account XXXX XXXX XXXX deposit for XXXX and another for XXXX for my business XXXX XXXX XXXX XXXX. the bank allowed access to the funds until XXXX XXXX and froze remaining funds that were in the account and stated that the would be sending remaining funds back to XXXX. I have waited and provided documentation showing that I'm the owner of the business and have been waiting since XXXX, XX/XX/XXXX the remaining funds were removed from my account which than I believed the funds had been sent back I reached out XXXX days later to the XXXX which was XX/XX/2021 and was informed funds still hadn't been received the bank failed to notify me of the steps for my money and still are holding funds at the security dept and stated it could be a additional XXXX  months before they even send it back to the XXXX can you assist?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: IN

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( XXXX ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX XXXX XXXX Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.

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 2021-11-30 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: CT

Complaint narrative:
Be advised this is not a refusal to pay, but notice that the claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX # XXXX for {$310.00}, XXXX XXXX # XXXX say I owe XXXX XXXX XXXX, or XXXX XXXX. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay the companies named in this dispute not who they are trying to collect for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/2021 - receive Escrow review indicating monthly payment will increase {$600.00}. BSI used incorrect property tax figure. 
XX/XX/2021 - BSI tax department obtains correct property tax amount and acknowledges to us it has done so. Promises to recalculate monthly payment based on correct amount. 
XX/XX/2021 - date by which BSI promised to provide a revised ( lower ) monthly payment would reflect correct property tax amount. 
XX/XX/2021 - most recent call to BSI, resulting in third message on voice mail of escrow department, with no return call

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After shopping for a miniature dachshund online at XXXX I emailed the seller regarding a specific dachshund for purchase in the amount of {$500.00}. At this point, the correspondence was email and/or texting. After the seller supposedly dropped off the puppy for a vet clearance, a pet carrier had possession of the puppy for transport via a coupon provided by the seller for a flight. The pet carrier then contacted me for {$800.00} for pet insurance. Unfortunately, at this point, I realized this was a scam. I contacted the seller, XXXX XXXX with XXXX XXXX and he said that 98 % would be refunded to me of this insurance. I declined payment of this {$800.00}. He also said he couldn't return my {$500.00} because he didn't have it. I immediately contacted Wells Fargo Bank as the wire transfer was made through them and XXXX. I filed a complaint with them but they declined the claim as they stated I authorized the transfer. XXXX stated that I needed to go through my bank for assistance. Neither was helpful. Wells Fargo should have been able to reverse the wire transfer with XXXX knowing that this was fraud. They didn't. I also filed an Internet Crime Complaint and a complaint with the FTC.

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 2021-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ashley Furniture/Syncrony Bank XXXX initial purchase with deferred interest. XXXX ordered online Reported this last year as fraud, still hasn't been taken off the account. The account with Syncrony is closed, last four digits of card with fraudulent charge is XXXX. 

Total statement balance now since they won't remove it is XXXX and i've sent it again to their fraud department to have removed and no response.

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 2021-11-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Address XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX or XXXX XXXX XXXX XXXX ga XXXX and XXXX XXXX XXXX XXXX ga, or XXXX XXXX XXXX XXXX ga, or XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ga or XXXX XXXX XXXX XXXX ga ... ..tittle exam in year XXXX and XXXX XXXX on up to XXXX. It end tittle exam on all these companies properties .I am owner and co owner of all the businesses and properties in this text. By way of beneficiary heir. From the old owner XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, is someone steel my id .my ownership too all of this was due back in XXXX of XXXX. ownership pass due. Please give me CPA accounting. With my deeds too the businesss and bank account as well ... .XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX is trustee .to this businesses estate .but the 20 years is up and over. I am make a legal claim too my businesses .the IRS sending me my tax return says I got too pay taxes sense XXXX. Pass due I can go too jail. And y'all too .so let not go there .let 's get this done. Just give me my company and bank account. XXXX XXXX known too the government by address on file. XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX ... ... ... ..I also am requesting a hotel out of the business into all said information is handle rite .I got to get housin the house I'm in is run down .please have the agent in my company too contact XXXX XXXX  hotel downtown XXXX  ga or city of XXXX ga. Have them too give me a for life estate lease. If not XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ga. I am the beneficiary employer of this company XXXX XXXX XXXX... XXXX XXXX stop decrimantion on me too abuse me call me names retaliation and word like XXXX XXXXor mis treat me because I am not in XXXX religion group .all of this is decrimantion .now if my company has been XXXX XXXX by I'd fraud and theft .please let me now so I can send the police too the location of the fake me .my stulims ckeck go into XXXX XXXX bank. All my id is XXXX  XXXX XXXXXXXX bank and XXXX XXXX XXXX XXXX XXXX ga. I am not in a nother place but here .please get a hold of the companies agent too grab me a room .hotel .it cold in this house I don't want too get sick .thanks ... ... .owner date for XXXXXXXX XXXX XXXXs XXXX 120 years ago .owner co owner of XXXX XXXX foundation as well. I am owner of various of businesses .if someone is say they me. Do a credit report .or ckeck they id .I should say my id and house I'm in here XXXX XXXX said XXXX He is not management of this estate. Somebody took his id too .I don't no. Ckeck it out all of this information thanks... ..up top .year XXXX XXXXon all the business .tittle exam year ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.

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 2021-11-30 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: OH

Complaint narrative:
On XX/XX/2021 I sent you letters regarding those inaccurate information but, to this date, over a month has passed but I still havent heard anything from you. What's going on with my dispute, I have been sending you letters but it seems that you are not taking my words seriously, I heard you are trying to save money ignoring consumers dispute letters, I am seeking help to every entity that can help me regarding this matter, I am willing to go as far hiring an attorney if you continue to ignore my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 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: MD

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I dont underdtand why my hotels credit card application is taking so long to process and get approved they first told me my freeze I lift it I have a fraud alert and they have t contacted me to finalize my application I shouldnt be treated like this and be approved

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 2021-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining negative accounts on my Credit Report that needs to be deleted. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :

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 2021-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUI Credit Services, Inc.
State: CT

Complaint narrative:
RUI company sent me a bill for {$9300.00} and said that it was owed for XXXX. I am a XXXX VET and my wife has a XXXX as well. I have never had an XXXX account because my wife would and has paid all utilities. She collects XXXX and no XXXX account would have ever been put into my name. This account is identity theft, false collects, fraud, or at a minimum a mistake. These false collections attempt better not hit my credit.

Company response to consumer: Closed with explanation