vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On or about XX/XX/2020 my accounts with Chase Bank was frozen. I have six accounts at Chase which one of the accounts is a custodial account. I awaited to hear from Chase whether it be by mail, email or phone to no avail I did not receive any sort of commuication from Chase regarding the hold on my account. On XX/XX/2020 I contacted my private client representative and left a message for XXXX last name unknown. On XX/XX/XXXX XXXX contacted me I explained to her that my account was frozen and have not been given any reason as to why it was on hold. XXXX advise she will look and investigate the matter further as she was not able to see any notes on my file as to why the accounts were being held. 
On or about XX/XX/2020 I made a visit at the branch located at XXXX XXXX, XX/XX/XXXX New York. XXXX attempted to contact the back office and was not provided any information as to why my account was on hold. XXXX and I contacted the back office again that day and still was not provided any information as to why my accounts were on hold. I requested to be transferred to the executive office, the executive office opened a ticket and advised they would look into this matter further. 
On or about XX/XX/2020 I received a call from a gentlemen XXXX XXXX or XXXX XXXX from the executive office acknowledging receipt of my call and was told they are working on looking into my account being held. On XX/XX/XXXX I received another call from the executive office and was told he was not able to do anything for me nor had any information as to why my accounts were on hold. 
Here we are XX/XX/2020 I have not heard anything from Chase at the very least a letter or anything. If in fact a lien was placed on my bank accounts, I do have the right to contest its validity. Furthermore Custodial accounts that are true custodial accounts can not be levied for debts of the custodian. I am requesting a full investigation as to why my accounts are being held, I have no issue with Chase conducting their due diligence however, I do need some sort of resolution as to when this will be complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I have made several attempts to pay off my HELOC with OCWEN now PHH mortgage. Each time they have returned the payment without explanation. When I call to speak to a CSR they have to research just what is going on. On this last call they stated they never received the payoff yet I have confirmation of the wire transfer and according to the CSR, the account information was correct. I am tired to sending repeat payments to OCWN PHH mortgage and the extra expenses occurred on my end of doing such. I have now sent the 3rd payoff per the CSR in the hope it is excepted. I would think that PHH would reach out and call me to correct this situation. Just seems like a bunch of nonsense to me and an attempt of PHH to foreclose on a loan that took me 15 years to pay off to its final payment just to have PHH play a game with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: GA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I have contacted NJ Lenders to get a copy of the alleged payment ( Cancelled Check ) that they made to XXXX XXXX XXXXXX/XX/XXXX The NOTE NJ Lenders prepared claims that I received payment of {$130000.00} I did not receive this payment from NJ Lenders. I would like to see who was paid so the matter can be sorted out. I am not saying NJ Lenders is behind the mass sabotage and communications tampering that led me and many others to default on their mortgages. I am not saying that NJ Lenders is involved with covering up illegal transactions. What I am saying is that the contract NJ Lenders prepared titled " Note '' states that I have received a {$130000.00} loan from NJ Lenders and I have not received a penny from NJ Lenders. NJ Lenders has responded to my request by send back a " mortgage '' stamped cancelled or record without proof of being satisfied or the lien being released and no discharge of mortgage. 

All I need to get is a copy of the check that was used to pay-off the existing XX/XX/XXXXmortgage. You have sent me a copy of the XX/XX/XXXX cancelled mortgage. 

I am requesting of copy of the check used to pay-off the existing balance. I have attached an example of what I am looking for CHECK # XXXX proves that XXXX XXXX paid XX/XX/2003 mortgage in the amount of {$1400.00} On the reverse side of the check it shows the Fleet bank where the check was processed. The SINGLE POINT OF CONTACT AGENT ( SPOC ) XXXX was used also. Please take a look at the check front and back that gives you a visual example of what I need to see. Your payment will look similar but the names will change to show NJ Lenders payingXX/XX/XXXX along with the mortgage pay-off number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
A medical collection dated XX/XX/2020 from Radius Global showed up on my XX/XX/XXXX credit report. I had no prior knowledge of the collection. 

I did not conduct any form of business with the original creditor on XX/XX/2020 and do not understand why there is a debt. And, if I did have business with the original creditor on XX/XX/XXXX, there should not be a medical collection so soon after the visit. 

I neither received any written notice of the collection account, nor telephone call with attempts to collect the debt.

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 2020-12-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is a follow up complaint to complaint number XXXX and XXXX. Amex is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, Amex lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, Amex stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency XXXX XXXX XXXX, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how Amex is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this Amex will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX my socials XXXX I don't have my account number in hand this is a school dead and other deads that I am supposed to pay out I have had a XXXX XXXX XXXX  and have had XXXX  XXXX XXXX I've had XXXX XXXX  of my XXXX XXXX XXXX and am currently on on mental XXXX I can not work I don't leave the house I can not make these payments on any of these loans so it is unjust for me to pay them back or do my credit score to be interrupted so I would like for this to be resolved and the bill want clean

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
Us Bank Reliacard for PA PUA unemployment has on numerous occasions frozen my card without proper notification as well as emptied my account for XXXX on XX/XX/XXXX and supposedly sent a check for that amount, which I never authorized or requested to begin with, and I never got that check. They froze my card without notifying me from XXXX until XXXX so I could not access my funds which PUA PA Unemployment was adding my weekly benefits to every week. However USBank Reliacard would not let me access those funds. They told me I had to send in verification that I was indeed XXXX XXXX which I did numerous times. Then when they finally unfroze my card with in a week they then took all my money out of the account and put it in above referenced check that I never received that was on XX/XX/XXXX and they have still not fixed the issue or reimbursed me the money. Then yesterday 2 days before XXXX they once again froze my card without notification when I finally did get ahold of a representative they said I needed to once again verify my identity. They have caused me to get evicted from my home, gave me no type of reimbursement for money they stole out of my account. Now I once again can not access my money and they still have not sent me my XXXX that been missing since XXXX. I have not been able to pay my bills buy groceries get basic necessities all during a pandemic. They should be ashamed of the way they conduct business and should be shut down. They steal from vulnerable good people and do nothing to correct it.

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 2020-12-25 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
This is a follow up complaint to complaint number XXXX and XXXX. XXXX is claiming that the account has a balance but that not true! 
As already expected and also read in reviews and on XXXX pages, XXXX lied about the fact that those accounts werent paid of. In a letter to you and me on the above complaint numbers, XXXX stated that my account ending in XXXX was not settled and had a balance. As indicated in the above complaints, that account was settled almost a year ago. Not only do I have a letter of satisfactory from their collection agency Radius Global Solutions, here I have attached a copy of the checks sent to them and more important their confirmation that they got the money. So it would be interesting to see how XXXX is going to explain that. Please refer to the above mentioned complaints. Reading through the internet, people are saying after showing this XXXX will say they never got and they will check with their collection agency and will then comeback to apologize, so lets see.

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 2020-12-25 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received notification that there's a collections account on my credit reports from " National Credit Systems , Inc '' but I have never heard of such a company. I have never signed anything with, nor communicated with this company. I believe this collections account may belong to someone else and was placed on my credit reports in error. I request copies of anything this company may have with my signature and/or social security number, if any documents they may have exist. I request that this account be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, XXXX, and Experian. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT 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 non-monetary relief
Consumer complaint received 2020-12-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
I received a response from Chicago Title and did not receive what I requested. Chicago Title sent me back a copy of the mortgage I picked up from the Chicago Title XXXX N.J. Office. The title policy legal description is no where near the same as the deed location. I HAVE REQUESTED AND NEED A COPY OF A VALID CHICAGO TITLE POLICY THAT IS INSURED BY CHICAGO TITLE. I certainly don't need a copy of what I had emailed them from the beginning.

Please send me the Title Policy that is insured by Chicago Title for XXXX XXXX XXXX XXXX, N.J. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I currently have an apple card. I was going to make a purchase on XXXX but the seller said that he could have me make the purchase on his website and it would be cheaper for shipping and taxes. So I went to the website and used my apple card to purchase the item online. The total was over {$3800.00}. I realized less than 5 days after making the purchase that the vendor ( XXXX, XXXX ) was fraudulent based on my communications with him. I immediately confronted the vendor and he showed me screenshots that the money was refunded. I contacted apple card support with the information and they filed a dispute. 

Approximately 2 months later, I received an email saying that Goldman Sachs ruled in favor of the merchant. I was upset and called back, I was never provided a phone number to speak with anyone at Goldman Sachs. Apple card support said that their employee had entered the initial dispute incorrectly. Since I had never received the items, I would have to have it reentered. I said I had tons of images of text message conversations with the vendor on the phone and the support agent said that they would contact me to ask for this evidence. I was never contacted. 

I received an identical email after several weeks stating that Goldman Sachs had ruled in favor of the vendor. I have called them at least 5-6 times at this point with no resolution. Each time I submit a claim, they email me a month later saying that they ruled in favor of the client. I never received my item and I am out nearly {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020 I made XXXX transfer of {$600.00} from our checking account with SunTrust bank ( truist ) for the purchase of XXXX XXXX puppy. 
I can give much longer explanation, but the short version is : company is a fraud ( still have online presence ) and the whole " puppy '' is a scam. There now few XXXX warnings about that company but I guess no legal actions were taken by anybody. 
Web site name is : XXXX They offered XXXX electronic transfer as a way to pay for the puppy and even shared their email, name and telephone numbers in order to receive our funds. 
As soon as I sent money, they completely disappeared and no more communication can be established. 
When we immediately raised concern with SunTrust bank fraud representative they took all our information and created the Case and promised to investigate within 10 days and contact us with the result of their investigation. It took them less than 7 days to send us letter saying that our funds can not be returned.

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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Dear Cfpb & Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, TransUnion, XXXX, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT 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 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Cfpb XXXX Credit Bureaus ; XXXX XXXX! I have actually been trying to reach out to the CRA 's for the last 6-8 months to attempt to remove/delete unknown, not-required previous or old addresses from my credit report, but for some reason, I'm unable to get any results or responses from them ;, XXXX, Equifax, and XXXX. I've mentioned and listed the addresses that I need to be removed from my credit report. Honestly, the only address that should be listed in my current address. Anything else needs to be removed ; for example, i need the following removed : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, MA XXXX ; & XXXX XXXX XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2020, XXXX {$65.00} from my checking account. This transaction was neither initiated nor authorized by me and I did not purchase anything from their website. In fact, the company does not have my current debit card number. Therefore, I do not understand how it obtained access to my bank account. I have contacted the company 's customer service and made it clear that I have no account with the company and that the debit from my account was the result of fraud.

Company response to consumer: Closed with explanation