vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Between XX/XX/2021 through XX/XX/2021, there were several charges at various gas stations, shopping centers and online purchases made without my knowledge and/or permission. My child, whom is now age XXXX took advantage of these " emergency accounts '' while being in remote learning and while I was XXXX ill. I was advised by Wells Fargo on and/or about XX/XX/2021 to go to a Wells Fargo bank by a claims specialist named " XXXX '' to go and show them my state identification card because my claim was placed on hold until " they could verify that I was not being taken advantage of ''. I did so the very next day as requested because I was not familiar with claims being put on hold, but it was extremely hard trying to speak with XXXX as she made me feel as though I was suddenly a liar. She also advised that I could file a police report which was disheartening because if I had, charges would be brought against my child whom is a XXXX male and has his whole life ahead of him. 

This claim was closed on XX/XX/2021 with no investigatory documents being provided to me on how they came by their decision. I've since opened up two additional claims on and/or about XX/XX/2021. 

I wrote to the Wells Fargo board on and/or about XX/XX/2021 a complaint that cited law regarding authorized purchases and their banking commitment and within two days, I was contacted by an executive claims specialist that would help me find out why the claim was closed, but I was not provided with the documents used to prove the purchases were authorized by me. 

I will admit that he was wrong for taking advantage of our family; buying gifts for young ladies, goodies and God knows what else at the gas stations, but the fact is I did not give him permission to do so. My son is XXXX XXXX with an XXXX and remote learning for all XXXX of my children did take an emotional toll on all of us. 

It seems outside of any claims specialist to suggest I file a report on an individual within my household that was not authorized to make purchases. 

I recognize liability after 60 days, however I do not recognize and can not find where Wells Fargo has the permission to advise and/or suggest potential criminal charges. I'm sure no claim will be approved, but we are talking about thousands of dollars in which I have to accept despite my knowing no reasonable effort was made to investigate and the claim was closed prematurely.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
I have sent this company a debt validation letter and have received no response in reference to this account. 

I also never received any notice of my rights to dispute, and they are reporting inconsistent/incorrect/unvalidated information on the account across two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I keep asking for them to remove my # i am not the person they are looking even tried asking what the call was for can not get an answer i know whom they are looking for but without them giving me any information i will give any contact info so i asked for them to stop calling me and i just get hung up i called back and they hang up on me also

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NJ

Complaint narrative:
I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. Please investigate these items and delete within 30 days. I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT US DOE/ XXXX - ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: VA

Complaint narrative:
I put a contract on new home at XXXX XXXX in XXXX XXXX Virginia on around XX/XX/2021 I was told that I had a derogatory item on credit by NVR mortgage and that it needed to be removed before closing. It was an erroneous item so I had it removed from my credit report. Now they are refusing to close and refusing to refund my deposit and harass me over the phone ( I have voice mail message from manager saying inaccurate derogatory statement ) and threatening not to give me me deposit back of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: KY

Complaint narrative:
On the morning of XX/XX/2021, I decided to look at my credit score on XXXX XXXX. After logging in, I noticed that my Transunion score went down by 23 points. When I investigated this, I found that an account was reported to collections from some company called XXXX XXXX XXXX XXXX in the amount of {$930.00}. I contact them and they claim that it is from a XXXX XXXX account that I once owned. I have not had a XXXX XXXX account in over 20 years and was never delinquent. When asked to validate the debt, they refused. I want this removed from my credit report. 

Sincerely, XXXX 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 2021-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unauthorized/unnecessary credit pull : I received a notification from PNC in XX/XX/2021 that they pulled my XXXX credit report on XX/XX/2021 and subsequently denied my loan application due to the application being incomplete. First, I did not authorize the credit pull on XX/XX/2021. Second, if PNC was going to deny my application due to the application being incomplete, this credit pull was unnecessary. This hard inquiry had an adverse impact on my credit score and will increase the interest rate charged ( and therefore cost of the loan ) when opening a new credit/loan product. I am also concerned with what the information is being used for, why it was collected, and where it is being stored considering PNC was not planning on closing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a voice mail from the XXXX County Courts ( In North Carolina. ) I was given a fake docket number and was told legal papers were to be delivered to the respondent, but they were calling to make sure we did not have covid symptoms.

I called the court house and my name is nowhere to be seen. I see this supposed law firm has a lot of information about scamming people.

There would not be a docket number yet, if I was not served papers. They were sloppy, and their docket number is not the right format.

I agreed I would pay {$500.00} if they could prove to me that I owed this {$7000.00} debt that I believed I had settled two years ago.

The letter received was not professional, as the paralegal did not even sign it with her position title. 
The scammer company is XXXX XXXX XXXX, from XXXX, New York, and the phone number provided to me from the supposed court person matches their google listing. This tells me it's an actual company but it's likely they do not practice law.

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 2021-11-03 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter reporting inaccurate things on my credit report. I understand that due to the corona virus, the consumer reporting agencies have 60 days to respond to my letters. It has been over 60 days and they have not responded back. Section 611 ( a ) states that failure to investigate these disputes properly within the 60 day time frame should result in the deletion of these inaccurate items. These items should be deleted as soon as possible. If they are not, I will pursue legal action as my rights as a consumer are being violated. My information was also impacted by the Equifax Data Breach. It is possible that my information has been accessed my someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
For the past 3 months, I have been trying to cancel the PMI on my loan under the Homeowners Protection Act of 1998. I have met all the requirements yet my mortgage lender kept denying me for inconsistent reasons. Sometimes they say my equity is not 80 % and others that I didn't meet payments history ( I attached their latest letter ). 

I never missed nor was late on any payments ( even according to their statement that I highlighted ) since I borrowed the loan ( see attached payments history I printed out from the mortgage lender website ), and my current equity ratio is 79.8 % ( see attachment from the the same website ).

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 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distri-bution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing JP Morgan Chase services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Approx. 2 years ago give or take. Opened PayPal Account. have been trying ever since to get my money back that was deposited. The amount deposited was {$980.00}. Have tried on several occasions to resolve with nothing happening. Every time I have called Paypal, get the same run around. They keep asking questions like old phone numbers, old email address and none of that information is no longer valid or accessible. have had to get new phone, new number, new email address, everything. Talked to them today, and same old run around. Basically was told Oh well, nothing we can do without old information. So its basically they get to keep my money which doesnt belong to them. I'm angry, frustrated and just want this resolved and I can get my funds returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have informed Equifax via the CFPB on XX/XX/XXXX, XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, ( FTC Report, Police Report, etc. ) yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by Equifax Consumer Dispute Center on XX/XX/XXXX, which is proof that Equifax has received my dispute and that I do Not agree with the response from Equifax via the CFPB. 

The fraudulent accounts and the mixed or merged personal information on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time Equifax has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX Equifax has not provided me procedurally proper validation of the debt ( s ) or personal information. A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). 

I have been and continue to be 100 % willing to work with the credit agencies and authorities to resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Fidelity National Financial, Inc
State: NC

Complaint narrative:
Mr. XXXX XXXX at National Link was hired by XXXX to disburse payments from the proceeds of a home loan used to purchase one half of an inherited home. Mr. XXXX at National Link did not call to verify the payoff amounts on the loans in a timely manner and as a result some accounts were overpaid and XXXX was underpaid ( by {$1.00} ) causing XXXX to return the check to National Link. National Link nor Mr. XXXX let us know the check was returned ( had to find that out from the credit bureau that the payment was marked as late ) and I had to call him to have the check re-issued and sent overnight. National Link ( Mr. XXXX XXXX stopped payment on the first check and re-issued a second check, but again did not check the payoff amount and the check was sent short and was returned again. None of this was made know to us over a 2 month period, even though I had repeatedly called and asked what was happening with the account. Mr. XXXX seems to believe that he has no responsibility to us or the creditor he was to have paid to ensure correct funds were disbursed. Now XXXX has turned the account over to collections and damaged our credit scores and refuses to correct the action as they say it was National Links responsibility to let us know and National Link ( MrXXXX XXXX XXXX XXXX refuses to correct the actions as they say it was XXXX 's job to let us know. I was able to get National Link to send me the check made out to XXXX and have gone today and paid off the loan plus the additional penalties and have submitted a dispute with the credit bureau in hopes to reduce some of the damage these two institutions have done to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I ordered new checks from the Bank of America. I paid {$48.00}, including {$13.00} shipping. 

Today I received only 39 checks or {$1.00} PER CHECK! 

This is beyond outrageous! 

Yet the Bank of America refuses to do anything about it at this point! 

Yet again more problems : Earlier today the Bank of America at my demand under the law reversed 3 {$35.00} overdraft fees when yet for the umpteenth time I pointed out that I HAVE OVERDRAFT PRECTION! 

I am talking about total and complete incompetence at the BAC! 

And nothing is being done about it in my case!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed dispute letters to experian, XXXX, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have experian, XXXX, and XXXX remove the accounts I disputed on XX/XX/21.

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 2021-11-03 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: NJ

Complaint narrative:
I have received a hard inquiry on my credit report after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Financial LLC
State: MD

Complaint narrative:
Hello, I have asked that my work number not be called by the pay day loan company Loan Till Payday. Ive asked verbally and in writing via email. They continue to call my job and cell phone daily. They are now calling my work twice a day. Their newest tactic is calling my coworkers and asking for me instead of using my extension. This is harrasment. Ive told them that I can not pay and will be filing for bankruptcy. Even after telling them this, they call my cell and work number 4 times daily.

Company response to consumer: Closed with explanation