vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX I logged into my online banking account, via the Chase Mobile App, and I was looking at someone else 's information. Everything from account number, to address, personal information, and account balances.

I escalated the problem to Chase and they blocked my online account access. I have been waiting for a follow up for more than 48hrs and still nothing. 
I called today on XX/XX/XXXX and after 1 hour of constant ping pong no one is able to tell me where my Online Banking account of 10yrs went. If my personal information was also made available to another person. This is a breach of personal information and the lack of communication in this matter is ridiculous. 
My concern is that my personal information can be used by someone else and what assurance does Chase have that I dont have or will use the other customers information that I had access too. 
The solution now is to create a new Online Banking profile. Sure, not a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Date : XX/XX/2021 XXXX XXXX XXXX as an agent for Freedom Mortgage Freedom Mortgage XXXX XXXX Emailing XXXX XXXX via a public internet provider ( XXXX XXXX in an attachment without encryption or other protection ( clear text attachment ) of the date identified below : Sending email unencrypted through a public network may be equivalent to publishing the information. Sending non-public information in an unencrypted email is therefore publishing non-public information. 
Confidential and non-public information included : Account number Social Security Number Date of Birth Name Address XXXX XXXX XXXX XXXX account numbers ( 2 accounts ) XXXX XXXX XXXX account number XXXX XXXX XXXX  account number VA loan number This is in violation of : Federal Trade Commission Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act FTC document Protecting Personal Information A Guide to Business This demonstrates as lack of an adequate : Security Program Vulnerability Assessment / Risk Assessment /Security Plan / Mitigation Plan Security Measures tested Employee Training Electronic Controls / System Controls Plan for Responding to Security Incidents

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 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I was the victim of a telephone phishing scam involving my Citibank account. Over {$2500.00} was unlawfully taken from my account. When I became suspicious, I immediately contacted Citibank about the incident on the same day. On XX/XX/2021, Citibank sent out an email to its customers warning of the scam. After multiple correspondences via phone and mail, Citibank is denying any accountability. I recently sent them a letter XXXX please, see attached ), providing a list of issues that they have not addressed, including Reg E and my XXXX grand larceny report ( please see attached ). Under Reg E, a set of regulations issued by the Federal Reserve that governs all manner of electronic transactions, consumers are offered protections even when they make mistakes, such as responding to a phishers scam. Why should banks be bailed out when they are defrauded, but their customers are not?

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 2021-05-27 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: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I happened to discover two unauthorized bank activities/withdrawals from my Personal Checking account in XX/XX/2020 for XXXX XXXX, one on the XXXX and the other on the XXXX. 

I opted to discuss and dispute these two unlawful activities with Regions my Principal bank. I urgently requested the specific status of these unauthorized transactions and the persons and institutions involved. 
My multiple requests were and are still ignored or not acknowledged. As I did report the ID Theft to the Federal Trade Commission that advised on sending a letter to Regions with objective being to re-dispute and urgently obtain answers and cooperation from the bank, they have again and intentionally failed to respond. 

I have since opened and maintained a new account and new information. However, I remain perplexed at the bank 's offensive and unlawful lack of cooperation.

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 2021-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CB1, Inc.
State: MT

Complaint narrative:
On XX/XX/XXXX I was served paperwork saying I was being sued by CBB Collections over a repossession I had with XXXX XXXX XXXX I called them multiple times and attempted to make payment arrangements that were reasonable for my budget to avoid being garnished. They refused to work with any amount I told them I could afford and told me I had to pay at least {$400.00} or so to avoid them sending in for a judgement. I filed my taxes and told them okay I would be able to just pay them once it came in. They told me I would have until the agreed upon date of XX/XX/XXXX to pay the full amount of XXXX that I owed to avoid the judgement. The week of I called them and informed them my return was being delayed and requested them to just hold off until the money came in. They refused and told me all I had was until that deadline. I called them back on XX/XX/XXXX when my refund got to my account and asked if they had sent in for the judgement and they said they never did and that I still had the option to pay. I paid the {$5400.00} on XX/XX/XXXX. In XXXX XXXX XXXX ( this year ) I sent an letter to XXXX XXXX XXXX requesting they delete my tradeline since I paid them in full the year before through CBB Collections. The lady informed me they never received payment from CBB and told me I still owed them the balance. She told me the balance owed was {$4900.00} not the {$5400.00} that CBB told me I owed them. The lady at auto credit financial told me CBB told her the debt wasnt paid. I told her no this is wrong because I paid them one year prior. She emailed me back and told me she called CBB and that CBB told her that I paid the balance in XXXXXXXX XXXX XXXXXXXX and they would send her payment as soon as they could. I told her this was incorrect because I paid them XXXXXXXX XXXX XXXXXXXX and I provided her with my bank statement showing the transaction of {$5400.00}. She said she would have to contact them and find out why she did not receive the payment the year I actually paid. I have not heard back from her since. Right after speaking with her I called CBB and left a message and never received a call back. I then emailed them and never received an email back. CBB Collections not only lied to me and took an extra {$490.00} on top of the actual balance owed, but they also held onto that payment for a full year and lied to auto credit financial and told them I never paid them in XXXX and paid them in XXXX. CBB reported to my credit report that they received payment XX/XX/XXXX. Because of this auto credit financial has been reporting this open bad account as being unpaid for a full year and it has been damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit System International located in XXXX Texas has reported 6 medical collections on my XXXX credit report and after several attempts to have them removed because 1. They do not belong to me, 2. They have violated my HIPPA rights according to the FRC law, and 3. I didnt give permissible to Propath if I did owe these debt which I dont to sell my information which is HIPPA to a collection agency. I have asked and now I have filed a suit complaint because they will not remove from my consumer bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On Tuesday, XX/XX/XXXX, I made a post on XXXX XXXX attempting to sell an item. I received a message from someone I thought was a potential buyer who inquired regarding the price of the item and insisted on paying through XXXX. Having used XXXX regularly before without issue, I provided my XXXX information and then received what looked like a legitimate email from XXXX confirming that the money had been sent. After this, I began to receive a series of strange emails that I still thought were coming from XXXX that stated the buyer had paid an increased sum, first of {$1000.00}, then of {$2000.00} more, to " expand my account limit '' and turn my personal XXXX account into a business account since the transaction was for a larger sum ( {$500.00} ) and that I would need to refund the buyer and send screenshots confirming I had done so through either XXXX or XXXX XXXX  in order for the transaction to proceed and for me to receive the total amount of {$3500.00} that the buyer had paid to XXXX, which they told me was already credited to my account and would go through upon receiving the confirmation screenshots that I had completed the refunds. I refunded the buyer {$2000.00} of the {$3000.00} as that was all I had in my account at the time, but received no confirmation from XXXX as expected and did not have the funds credited to my account. I called XXXX and provided them the transaction numbers from the emails and was informed by the Customer Service agent that these emails were part of a XXXX scam and not actually coming from XXXX, and that they therefore could not help me. I attempted to contact both XXXX and Chase Bank, the bank I have my XXXX account set up through, to address this issue, and was never able to get ahold of a Customer Service agent for either service in spite of hours spent on hold. The only information I could find was a statement on XXXX 's website which said they were ultimately not responsible for such instances of fraud, although they have apparently become increasingly common. I threatened to report the buyer and receive a refund of the {$2000.00} I had sent her, and she continued to insist she had sent it and it would arrive, and still continues to do so, but I have not yet received any of this money back to date, nor do XXXX, XXXX, or XXXX seem willing to address the issues of fraud that have led to me losing this money. I have attached screenshots of everything, from the fake XXXX emails, to the XXXX screenshots from my end and the fake buyer, to our conversations over XXXX XXXX and my initial XXXX XXXX posting, to provide the complete picture of how exactly this scam occurred and resulted in this loss of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This vehicle was initially supposed to be financed with my now ex-husband. I never signed the contract. I asked that the contract not be submitted. The dealership tore the contract up in front of me. I later found out that the dealership had already submitted the contract with my forged signature to Ally despite me asking that it not be submitted. I spoke with Ally and informed them this loan was fraudulent on several occasions. They suggested that I have the vehicle refinanced to remove my name from the account. The issue is that my ex-husband is in possession of the vehicle, and will not refinance it. 

Once the divorce was finalized I received court documentation that I am no longer responsible for this vehicle. All payments and collection activity should be removed from my credit report per this judgment. I spoke with Ally and asked them to remove the account. I told them I had the court documentation and was able to provide them with said information. They again requested I refinance despite me again stating this loan was fraudulent on their recorded lines. 

I have since disputed this loan with the credit bureaus, but they returned saying divorce was not enough of a reason to force Ally to remove this account. Again this account is FRAUD. That should have been sufficient enough to have my name removed from this account. I never actually signed the contract that was submitted. My signature was forged which I also explained to them. I have tried on multiple occasions to work with Ally in regard to this account, but they have refused to work with 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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was first contacted by a company called XXXX XXXX XXXX claiming I had a debt never paid to capital one through XXXX XXXX. I contacted both banking institutions as well as my credit report to find no such debt is owed to any of those companies in my name. Then a new company called XXXX XXXX group claiming I refused to settle with the collection agency XXXX and they are a mediator that helps me get the debt paid without judgment and jail time. Again today I contacted all banking institutions they stated i owed money to and was cleared bye those companies of owning any debt to them. It is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
We closed on our house on XX/XX/XXXX. It is in NJ with large quarterly tax payments associated with owning a home. Our lender ( Caliber Home Loans ) required we setup an escrow account to fund the quarterly tax payments ( ~ $ XXXX XXXX. On XX/XX/XXXX we received a property tax bill notice in the mail saying our XXXX XXXX tax bill had not been paid. On XX/XX/XXXX I contacted Caliber Home Loans. I was told there was a problem setting up my mortgage for tax payment but that would be resolved within the next 20 days. I submitted a copy of my quarterly tax bill to Caliber and everything was confirmed to be moving in the right direction. I was also assured that I would not be responsible for any late fees. On XX/XX/XXXX I called Caliber back to confirm everything was moving in the right direction. I was told that everything was in fact moving in the right direction and the tax bill would be paid soon. On XX/XX/XXXX, I received a late notification from my town in NJ saying my tax bill had still not been paid and notifying me of a {$100.00} late penalty. I called Caliber back on XX/XX/XXXX and they informed me my mortgage was still not ready for tax disbursement. They use a third party firm called XXXX XXXX to liaise with local tax municipalities and this group would not be able to finish their job until later in XXXX. I have asked Caliber for advice on how to deal with my local tax authorities and they are unable to provide specific information just " we are working on it. '' They are also unable to immediately refund my escrow account. So in short I am stuck with a tax bill I cant pay because Caliber is refusing to pay it. Caliber is also unable to refund me my money so I can pay it. This doesnt feel fair and I am not sure what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i have contacted equifax several time about these inquiries and bk that does not belong to me please help me to get them to understand and removes these items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Auto Finance/JP Morgan Chase Bank repossessed my vehicle on XX/XX/2021. I Have since paid {$1700.00} that pays off the end of the loan. Additional fees have been added on for a total of {$2400.00}. When I get my stimulus check, I would gladley pay off the addtional fees. JP Morgan Chase maybe through this crisis, I am not. I have made a significant effort to pay off this loan, I think Chase Auto Finance/JP Morgan Chase Finance should work with their customers that make effort to pay on a loan. Previously, I have tried communicating with representatives of Chase Auto Finance that did nothing but humiliate me. Because of this experience, I have since developed XXXX, because I do not want to be humiliated by any financial institution about my difficult personal problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
A tree fell on my house XX/XX/2020. An insurance claim check was issued and I unknowingly deposited the check into my account. The check is in a holding account at XXXX Bank and Nationstar ( Mr.Cooper ) refuses to endorse the check after numerous attempts. Each time I spoke to a representative, I was informed that I needed to provide more documentation, each time it was a different document. After reaching out to my Bank and insurance adjuster, they tried working with Nationstar going so far as to speak to one of their representatives. After each contact with the mortgage, I was told by my insurance company and my bank that everything should be resolved. 
Now I am dealing with the mortgage company refusing to fill out the acknowledgment, release, allonge documentation, Im being told the bank should fill out the document and submit. The bank is telling me they do not fill out that particular documentation because they are not payees on the check. 

This has been going on since XX/XX/2020. I am exhausted trying to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
They contacted my parents and stated that I gave them their phone number as a contact number. I have never and would never ever give my XXXX or XXXX 's phone number to a debt collection agency. I have talked to them and I told them I would try and pay the debt as soon as possible. They have called my phone once to twice a day, and now they are contacting family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CA

Complaint narrative:
I sent letters to Transunion, XXXX  and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from Transunion on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from XXXX or XXXX about my requests.

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 2021-05-27 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: ERC
State: NC

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation