vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX 's. This is not possible because XXXX XXXX XXXX went out of business back in 2007. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX 's as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX 's was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX 's had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after 2007. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXXXXXX, 2014 is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, 2014, which was recorded in XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 2018-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Credit Central Holdings, LLC
State: TX

Complaint narrative:
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I didn't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is Credit Central located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: HI

Complaint narrative:
I have sent multiple dispute letters to Ad Astra Recovery Service Inc, requesting they confirm the alleged debt they claim I owe. I have not received any response or documentation stating that I have a signed contract with Ad Astra Recovery Service Inc. This company continues to report to the credit bureau companies and has affected my credit profile negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Van Ru Credit Corporation
State: FL

Complaint narrative:
Since last XXXX I am getting frequent phone calls from this XXXX XXXX XXXX XXXX. As I do not recognize the number, I will not respond but I will get messages telling me that this is an attempt to collect, I do not have a collector behind my back, my credit is good. 
I want for this annoying invasion of privacy and lies to stop and for these people to be exposed and -if the case calls for it- prosecuted.

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 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I was making a deposit into the ATM machine and the atm took my card and the cash that I deposited. The amount was XXXX dollars it took a month and numerous phone calls to try and get the money reimbursed. After a month I was only reimbursed XXXX of the XXXX dollars that I had deposited. With zero explantation why ... I need to file a complaint against TD bank also I would like to have my money reimbursed ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I am having a very difficult time with New American Funding with a VA Loan. I am trying to do a short sale to avoid foreclosure. I am currently in the XXXX. I own a home in XXXX XXXX and was transferred to XXXX last year. I had to rent the home that I am trying to short sale. I had some trouble with the tenants and was unable to travel with my job. They stopped paying rent and did damage to the property. My income decreased because of the lower cost of living in XXXX and I was unable to keep up with the payments or do any repairs. 

The problem that I am having now is the VA is stating the property is worth {$300000.00}. This property is in poor condition and it is not worth this value. The real estate agency I hired is currently trying to resolve the issue with XXXX XXXX XXXX with a dispute but have learned they are being fraudulent with the dispute. The real estate agency has to be 100 % upfront on the repairs needed to the property, they 're required by law. But the lender and the investor ( the XXXX ) does not? I am currently in review for a short sale with an offer in and the lender will not postpone my sale date? From my understanding that is required by XXXX state law. 

It has clearly been shown to the lender and the investor that there is more damage to this property that the appraisal did not show in his report. That has been proven and they will not accept it. 

It appears to me they do not want me to do a short sale to avoid foreclosure. They are doing everything they can to make sure that happens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
During the months previous to XXXX 2013 I was contacted several times by CashCall Inc. through their advertising and phone calls, I really did not want to take a loan out, but at the time I wa struggling due to going through a XX/XX/XXXX. I also was having XX/XX/XXXX issues, that soon became serious and was on XXXX XXXX for about a year and a half. I was overwhelmed with house payments, child support, bills, car payments etc. The initial loan was for the amount of approximately {$2600.00}, and then soon became overwhelming with the inflated annul percentage rate of 184.36 %. I received a summons from CashCall and Im being sued for {$16000.00}. I feel I was in a bad state of XXXX and XXXX at the time they preyed upon me for a loan that is nothing but criminal, deceptive and deceitful at the least. This company should not be in business and is a shameful example of fair business practice. I plan on contacting the Attorney General as well as getting advise from an attorney I can barely afford. Why does the government let such companies as CashCall exist?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
XXXX XXXX, 2017 I sent {$650.00} to friend in XXXX XXXX XXXX. The Western Union office in in XXXX XXXX XXXX. When he went to bank to receive the money, he was told there was NO transaction! A few days after, friend AND a customer service official from XXXX XXXX XXXX emailed me about this incident. Was told that the bank was HACKED, by XXXX terrorists AND the XXXX have hacked 10 banks in XXXX, including XXXX. They only HACKED Western Union accounts. I called Western Union about this incident # XXXX got the run around. THEN found a web site for Western Union problems XXXX one of the clerks gave me a NEW email address that I DID NOT receive from phone operator. I sent numerous emails about this issue, referring to incident # XXXX given me by Western Union. NO REPLY 'S from Western Union. Then I made a claim with state Attorney General 's office, believing the weight of the office would make a difference. Little did I know the Attorney Generals ' office informal Dispute Resolution process is voluntary and involves compromise. Western Union would NOT resolve this issue, according to email from Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have three items on my credit report all three do not belong to me and I have no idea where they came from, please see below. 

XXXX # XXXX for {$1600.00} XXXX # XXXX for {$430.00} XXXX XXXX # XXXX for {$370.00} None of these belong to me.

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 2018-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am repaying a private student loan from XXXX XXXX XXXX XXXX, serviced by XXXX XXXX XXXX. My payments are sent via an automated paper check sent out by my credit union through their online bill pay service. The payment due date is the XXXX of each month. The money does not get deducted from my checking account until the check is actually presented for payment and cleared through the ACH, just like any other paper check. 

When I looked at my payment history on the XXXX XXXX XXXX XXXX  website last week, I was startled to see that my XX/XX/XXXX payment was marked as processed on XX/XX/XXXX. I checked my bank account record and saw the check had cleared on XX/XX/XXXX. I looked at the other payments shown on the XXXX XXXX XXXX XXXX website and saw another discrepancy. My payment due onXX/XX/XXXX was marked as processed on XX/XX/XXXX. Again, this payment shows on my bank information as clearing on XX/XX/XXXX. 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask about why the processing was not reflecting the actual date these two checks had cleared. They claimed that because I was having these checks sent by my credit union 's bill payment service, the credit union was taking the money out of my checking account at the same time the check was sent, not when XXXX was getting the actual payment. This is false. First, the paper check is being sent by the bill pay service prior to the XXXX of the month - it is sent in advance in order to arrive timely, i.e. BY the XXXX, not ON the XXXX. Second, the XXXX XXXX XXXX XXXX website shows that my payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were all processed on the XXXX of the month, which would be impossible if the check were just being sent out on that date. Third, I pointed out that my XX/XX/XXXX payment was processed by XXXX on XX/XX/XXXX, according to their own records, which, if XXXX 's position were correct, would be two days before that check had even been mailed. 

I asked to have the extra interest charges refunded. It is not a large amount, but it is my money, not theirs. If they did n't want to do that, I offered to accept a lump sum credit of {$5.00} for each month that my payment was n't posted correctly, a total of {$10.00}. They refused both of my offers. 

The thing that really bothers me about this is that most people would not notice or understand the significance of the late posting. If every student loan borrower being serviced by this company is having their payments credited late twice a year, like I was, this company is cheating its borrowers by overcharging on the interest on those loans. This is fraud and it needs to be stopped. God knows how much money this could all add up to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX from XX/XX/XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

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 2018-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
OnXX/XX/XXXX, we wife and I sent letter to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on our credit reports. We have long since received investigation results from XXXX and XXXX XXXX, but we have yet to receive anything in the mail from Equifax. We 've even sent follow-up letters. Still, no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC
State: MD

Complaint narrative:
I have a complaint of file # XXXX, I 've attached formal complaint being filed today that further details the fraud involved by the Lender and Brock and Scott, PLLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XXXX XXXX 2018, I wire transferred {$9000.00}. Right after I got the funds on my account, Coinbase blocked my account and asked me to verify my SSN. 

Since I do n't have an SSN, I have submitted my XXXX XXXX Passport to prove it 's me using the account, and I also submitted bills with my name on to prove that I live in the United States. 

I have also verified my Valid U.S. driver 's license already in the past. 

The problem is that I have been unable to reach Coinbase since I HAVE N'T been able to get access to MY MONEY ( {$9000.00} + pending {$3000.00} ) and MY FUNDS ( {$5000.00} worth of Cryptocurrency ). Total of {$17000.00} Whenever I call the Customer Service at Coinbase, all they say is " Please be patient and I 'd like you to have a good evening. '' They even hang up on me without my consent. 

It 's an emergency since the money and funds in my account on Coinbase are all my fortunes. Thus, I ca n't even pay for the rent and other bills. 

I know I 'm not supposed to include personal information, but since it 's an EMERGENCY that has to be resolved as soon as possible. I 'm including my info here. 

My case ID : XXXX, XXXX ( I submitted 2 tickets since they have never resolved the problem. ) My email address : XXXX My name : XXXX XXXX My phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX After disputing TransUnion 's incorrect reporting on my credit report, they still report the account is derogatory in contrast to XXXX reporting. 

After filing dispute, TransUnion dropped my credit score by 72 points im one day, and over 100 points since filing a dispute on their error. Obvious retribution.

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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Talked to trans union because a late payment was reported on a 3 plus charged off acct. which crashed my score by 46 plus points they are saying they dont see this but can you explain the sudden point drop! All of my credit monitor sites show this late payment!

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have been monitoring my credit reports for the past three months, and over that last few days, a new collection account from Diversified Consultants in the amount of {$330.00} has shown up on my credit reports, drastically dropping my credit score. I have never received any communication from this company -- no mail, no phone calls, nothing, so I am completely unaware of this debt and had no prior knowledge of it. I would like this account removed from all three credit reports ASAP as this information has caused my mortgage application to be declined.

Company response to consumer: Closed with non-monetary relief