vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: HI

Complaint narrative:
On XX/XX/2018 I received a postcard ( that was delivered to my neighbors residence ) containing the following : Full Name Address Estimated home Value The amount still owed on my home amount of cash available to me The remaining term of my current home loan While I understand much of the information is public record, my current financial information is not. This information has now been shared with parties outside of my family without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
On Thursday XX/XX/2018, I was notified by XXXX XXXX that a collection had been placed on my account. The collection was from XXXX XXXX XXXX ( original creditor was XXXX ) for {$290.00}. This dropped my credit score almost 50 points. First of all, I havent had an account with XXXX in over 6 years. I have received zero notifications about a debt owed, going to collections, being sent to credit bureaus, absolutely nothing. I tried contacting Waypoint multiple using two different numbers. One phone number listed on XXXX XXXX and the other on their website. Had I been contacted about this debt and shown that it was an honest debt, I would have gladly paid. However, after investigating, I have found out that multiple people are having the same issue with this company. Collections appearing out of nowhere, with zero notice, and all fairly recently. Many people believe it is a scam and I refuse to pay this until I have proof of this debt. I also want this collection taken off of my credit. I have worked very hard to build my credit back up and this has hit that hard with zero warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I added a couple family members as Authorized users, they restricted my two 20 year old ( in perfect standing for 20 years BTW with not one missed payment ever ) Capital one accounts.

The demand ID/SS card etc, I send it in, they release the accounts, I then ask " Look I have a few more people to add as authorized users such as my daughter in law etc, if I add them will this happen again? '' they promised it would not.

guess what, I add her and BOOM restricted again and now they refuse to release unless I send ID/DD card and proof of address for EVERY single authorized user since the card began 20 years ago ... .. half these people I have not even spoken to in over a decade, some are no longer living etc. so now 2 accounts, over 20 years old each, in perfect standing can no longer be used YET they still charge the yearly fee ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY

Complaint narrative:
In XX/XX/XXXX I was heavily encouraged by Wells Fargo to open a safe deposit box. I opened the account on XX/XX/XXXX and never used the box. In XX/XX/XXXX we relocated to New Mexico and I closed my safe deposit box because I had never used it and it would do me no good in XXXX, Wyoming. I did continue banking with Wells Fargo utilizing a savings account, checking account, and retirement account -- all of which are still in use today. I never heard anything additional in regards to the safe deposit box, and didn't anticipate to since I had closed it in the branch prior to moving. On XX/XX/XXXX Wells Fargo removed {$40.00} from my savings account to pay for the safe deposit box they claim was never closed. Not only had I closed the account over 4.5 years prior I have never given Wells Fargo consent to withdraw any of my funds for any reason. On XX/XX/XXXX they deleted the transaction and credited back my {$40.00}, but they are not willing to close the safe deposit box I already closed without me jumping through hoops for them, and the representative I spoke with today informed that they could not assure me they would not take my funds again in the future if that account shows open.

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 2018-12-07 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: GA

Complaint narrative:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on Transunion XXXX - XXXX, Transunion, XXXX  XXXX XXXX - Transunion These accounts are reporting due to fraud.

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 2018-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was recently notified that my credit score dropped because of a delinquent payment. The account in question is with XXXX XXXX  XXXX, now reporting as Wells Fargo. I was added to this account as an authorized user. The primary card holder requested that I be removed in 2010. About a month ago ( XXXX ) I was notified by a credit alert that a delinquent payment caused my credit score to drop. The primary cardholder as well as my self made a call to the Company on several occasions, but could not speak with the account rep that was assigned the case. Attempts to leave voice messages failed because the mailbox was full. I never used the services or requested the service, and I was never notified personally the account was delinquent. I am seeking relief of this problem. I am including the phone number as well as the case number regarding this account. Case number XXXX phone number ( XXXX ) XXXX XXXX Thanking you in advance.

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 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I do a lot of shopping online with my XXXX XXXX account and use my XXXX XXXX credit card. This Chase XXXX XXXX account allows me to give 5 % of my purchases to the charity of my choice, the XXXX XXXX XXXX XXXX XXXX XXXX. I also get 5 % of my purchases back on my XXXX XXXX RewardsVisa Signature Card for any future purchases from XXXX ( only ). 

I received an email approximately one week before my birthday with the following offer " LIMITED TIME OFFER : We'll reward you with XXXX bonus points when you go paperless ''. 

Since I was already checking my balance online, I decided to accept the offer. I followed all of the instructions and within a few minutes received a confirmation. " Thanks for choosing to go paperless. We'll no longer mail the following documents ; they will be posted online for you. 

CREDIT CARD ... XXXX STATEMENTS NOTICES & LETTERS '' At the bottom of the promotional email it says in small print " You will qualify for and receive your XXXX bonus points if you have changed your statement delivery preferences for the account listed in this offer to paperless by XX/XX/18 XXXX XXXX ET and your account is enrolled in paperless statements, open, and not in default at the time the bonus posts to your account. Please allow up to 10 weeks after the last day of the promotional period for the bonus to post to your account. Only one bonus per eligible account. Credit card product changes during the promotional period will forfeit this bonus offer. '' It has now been over 12 weeks since the last day of the promotional period, and the XXXX bonus points have not been applied to my XXXX account. 

I have contacted XXXX, and following their instructions, emailed my complaint to Chase. I have not received a response from the credit card company. 

I am going to try to include the two redacted promotional and response emails from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I received an email from Chase stating I will be receiving a new Debit card in the mail because mine was at risk for fraud. On XX/XX/2018 I had a fraudulent charge committed on my debt card in the amount of {$260.00} at XXXX. The transaction was in city I have never visited in my entire life. That same morning the charge was done, I immediately contacted my bank during work to file a claim. Chase temporarily credited me the money back into my account while they did their investigation. On XX/XX/XXXX, Chase issued a claim reversal stating because the transaction was PIN verified it was not considered fraud. The also stated when I called to report the fraud it was stated I had my debit card on me, which I did. So because of that they felt it was must have been me that used the card to make that charge. They did not take into consideration the email they sent to me 1 day prior to the fraudulent charge that my debit card was compromised. I was beyond shocked that after over 4 years of being a loyal client my claim was denied the for 2nd time. I felt like not only was I scammed by whoever made that charge but also by Chase, who knew my debit card was at risk and did not preventive measures to protect me. Instead, they the fraud happen and then denied it was fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted both XXXX and bank of America about 4 transactions to XXXX app on mobile banking where 1number on this contact was incorrect and the name of this individual does not match the name on the account I was sending money to. Bank of America contacted the other bank ( XXXX ) who let the individual know of the mistake and the individual fully declined to return the money to me knowing the money did not belong to them ( XXXX ) XXXX is the number where the money was sent to. I have no idea who this person is or their name or anything.these are the dates of the transactions who were meant to go to feed my daughter but instead landed in the hands of this thief XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the only reason I found out is that I co-parent and they showed me proof they never received the funds of {$64.00}. I know this is not a large amount to many people but it is to me and I work very hard for this money and I would like it back!

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 2018-12-07 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: GA

Complaint narrative:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - Equifax, XXXX, XXXX  XXXX XXXX - XXXX  These accounts are reporting due to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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:
There is information and accounts that are reporting on my credit file that does not belong me. Please assist me in getting these items removed : XXXX  ( reporting 3 times ) on XXXX  XXXX - XXXX, XXXX, Experian XXXX XXXX - XXXX  These accounts are reporting due to fraud.

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 2018-12-07 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: TN

Complaint narrative:
I have a bankruptcy on my Equifax credit file that I didnt file in XX/XX/2015 and it showing on my Equifax file and this is stopping me from getting a mortgage I never file in XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division,  Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX  XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have my house for sale. I thought that the second mortgage acquired on XX/XX/XXXX, was " charge off '' Chase Modification on XX/XX/XXXX. 
The escrow office received the Prelim Report where a second mortgage of {$65000.00} appears. 
On XX/XX/XXXX, by the first time the escrow office sent a Request for XXXX Demand and Reconveyance to Chase-JP Morgan Chase Bank-Washington Mutual Bank. On XX/XX/XXXX, by phone, the bank responded they need a payoff proof only. 
On XX/XX/XXXX, by the second time the escrow office sent a fax to JPMorgan Chase Bank, Successor in interest to Washington Mutual Bank, fax : ( XXXX ) XXXX, requesting to confirm with their records to Full reconveyance on the second loan. 
On XX/XX/XXXX, a Third Request was emailed to XXXX from the Broker who represents me on the sale. 
All the three requests have been sent with attachments of Authorization Letter signed from me, Deed of Trust, Preliminary Title Report, Washington Mutual Second loan Mortgage, and my Credit Report. We have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were placed by a debt collection company, ALDRIDGE PITE HAAN. After  numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because APH Law LLP didn't care enough about this tiny debt to respond in a timely and conscientious manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: AES/PHEAA
State: IL

Complaint narrative:
The attached confirmation of payment of XXXX made on XX/XX/XXXX further validates that the XX/XX/XXXX and XX/XX/XXXX entry of 90 days late reported to all credit bureaus is invalid and I am requesting immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018. 

Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018. 

I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.

This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.

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 2018-12-07 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: MN

Complaint narrative:
I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Experian and it's still not resolved. This fraud items are severely impacting my life and I can't get a apartment rental or car rental and my car insurance premiums is high as well and they all tell me it's because of credit report and what is causing this issue is fraud account and inquiries. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF as well as XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX I did not authorize or open this two accounts above and have in several letters provided Experian with affidavit and police report and have not received a response. This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 


Lastly their is an inaccurate late payment reporting on XXXX XXXX XXXX  - XXXX opened XX/XX/XXXX account, I did contact XXXX XXXX and they said they sent an update to the credit bureaus so this 2 late reporting should be removed.

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