vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I was scammed by people pretending to be customer service agents for XXXX XXXX. I received an email stating that I was being charged {$250.00} for my XXXX XXXX Subscription because of auto renewal. There was an XXXX number on the bottom that I could call to cancel. I called and got trapped in a scam. These customer services agents had me download an app called XXXX and access my bank accounts. I ended up sending them XXXX payments four times thinking I was getting my money back. The amounts were {$470.00}, {$470.00}, {$490.00} and {$490.00}. After that they had me send a wire transfer of {$1800.00} to someone in XXXX. By the time I realized it was a scam, it was too late. I called my bank immediately and explained what happened but no one could help me. I spent 3 days on the phone with Chase speaking to various people and explaining my story again and again. In the end not a XXXX was protected by my bank and the customer service was horrible. Within 30 minutes of my sending the wire transfer, I was on the phone with Chase bank trying to recall the wire transfer. After many attempts, I was transferred to the XXXX XXXX team and someone finally said they were able to put in a request to recall the wire but they would have to wait for the receiving financial institution to see what happened. They said they would be in touch in 24 hours but it has been over a week and I havent heard a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I was informed by a debt collection agency ( Midland Credit Management ) that they want to obtain payment from me in the amount of {$660.00} for a credit card opened in my name in XXXX of XXXX. I told them that I had not opened a credit card that whole year. They checked their records and concluded that their records were accurate. The address they had on file was XXXX XXXX XXXX XXXX, CA XXXX. This is the address of my ex-wife whom I divorced in XXXX of XXXX. Her name is XXXX XXXX ( aka XXXX XXXX, aka XXXX XXXX  ). I believe that she opened a credit card with my information without my permission. 
The credit card account is : XXXX XXXX Bank Credit Card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: MI

Complaint narrative:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Checking over my report and I noticed some inquiries I dont recognize reporting on my report I have waited for a response for more than 30 days and still yet have not to here anything back please remove this inaccurate information.

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 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX sold my loan in XXXX to XXXX. XXXX XXXX sent me a goodbye letter stating XXXX was my last payment. XXXX sent me a bill for XXXX. I paid XXXX for XXXX and called XXXX XXXX and the customer service rep said XXXX will notify us and everything will be ok, it takes time. XXXX comes around and I get a bill from XXXX XXXX  I called customer service and they said XXXX will notify us and everything will be ok, it takes time. In XXXX a manager called me and told me I need to pay XXXX XXXX for XXXX. So I paid.I now have 2 mortgage payments ( {$6000.00} ) for XXXX and nobody wants to take responsibility. 

In XXXX XXXX XXXX send me to the Credit Agencies for 30 days late with a {$0.00} balance. I paid the bill in XXXX and the rep said nothing was going to be reported. 

Neither company will take responsibility and keep, pointing the finger and their customer service is worthless.

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 2021-05-20 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company REGIONAL ACC account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$19000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-20 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: FL

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I've reached out to you about this situation back in XXXX US bank replied and told me my account was going to be closed as of XX/XX/2021 bit the account is not closed my funds is just sitting there I'm being charged fees and when I call the representatives can't tell me anything I was able to get hold of what was suppose to be a senior banker who was rude XXXX and XXXX at this point I don't know what to do and feel it's unfair to me to keep getting charged fees when my account should've been closed my account has been under investigation since XXXX it's XXXX and still nothing this is crazy please help

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 2021-05-20 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: LA

Complaint narrative:
TransUnion and XXXX  are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I needed to file a dispute with a creditor via Transunion, so I called them for assistance. I was told that I have to file a dispute directly on the Transunion website, so the representative helped me establish an account. During the last step of the sign up process I was prompted for my credit card number, and verified with the representative that I wasn't going to be billed for any service. The representative told me that I was only being asked for my credit card information so my address with my bank could be verified with the address I provided them. I finished setting up my account with Transunion online and filed the dispute with the creditor after the representative disconnected, but was billed {$24.00} for setting up my account. 

I've called them several times, and every time I manage to get in touch with a representative they end up saying they're going to transfer me to billing and end up transferring me back to the automated service.

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 2021-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
We filed an insurance claim to fix our roof XX/XX/2021. Our insurance company spoke with our contractor and sent the check. The check is a three party check made out to me, my husband and the mortgage company. We contacted the mortgage company regarding the process. We endorsed the check and sent it to our mortgage company via Priority mail with tracking. The check took 2 days to arrive to the mortgage company. Included was the contractor 's signed paperwork and the insurance paperwork. I gave them a 2 week turn around time. Today is XX/XX/XXXX, over a month later and we still have not received the funds back from the mortgage company to pay the contractor. 

The check is in our escrow account. When I call, the customer service is poor, I stay on hold for over 30 minutes. Every rep that I've spoken to says someone will call me back or they will escalate. It has rained and our roof is substaining more damage and the gutters were torn off from the storm so the appearance of the roof is awful as well. The delay is totally unacceptable. Today I was told they had system errors and I would just have to wait. No Freedom Mortgage I will not just watch my property decline and just wait!

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 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a rent check made out to my company. I never got it. It seems it was stolen en route. 
The tenant showed me that the check was endorsed, deposited, and debited from his account. 
Obviously, it was a fraud, that someone deposited into his account. 
The bank wrongfully paid this check even though it was made out to a different business name. 
My first place to go was the bank that paid this check. ( JP Morgan Chase, they are the check writers bank. ) However, I can not get anywhere with them. They committed an error by paying this check and they don't want to cooperate with me. I am getting a run-around. 

All they answer me is : it's under investigation. 
Mind you, it is over two months now. 
They can trace this thing in a minute if they wanted. 

I am attaching photos of the paid check with the fraudulent endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
XXXX XXXX Mortgage Provider = XXXX XXXX Customer Service XXXX XXXX Loan Number XXXX My phone number : XXXX My email : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Dear CFPB, I paid my house off on XX/XX/2021 and am due a refund of my escrow account in the amount of {$4400.00}. I called Loan Depot on XX/XX/2021 and asked my representative when the check was mailed. The rep responded that it was mailed on XX/XX/2021 and that I should receive it any day now. I called back today XX/XX/2021 and spoke to another rep and asked them to reissue the check to me as I've waited long enough since it's been almost four whole weeks from the date the check was supposedly mailed. The rep refused to reissue the check stating that I must wait another full 30 days from the postage date before Loan Depot can reissue the check. I then asked if she could at least verify the check has not been cashed to help ease my concern. She put me on hold, I waited for 37 minutes and then the phone hung up. 

I went to your CFPB website to see what I could learn about acceptable behavior for timing of a refund of my escrow check and all I could find is that it should be mailed 20 business days post payoff of my mortgage or roughly 30 days. It's unclear to me if my refund should be delivered within 30 days from the date of my payoff? It appears Loan Depot 's position is that as long as they mailed my refund within 30 days of my payoff then they are off the hook, even if my refund was never received. I am of the vantage point that if they are going to wait the full 30 days and earn interest off of my escrow, then they should have some skin in the game to ensure my check is properly delivered, especially a {$4400.00} check. Who in their right mind puts that much money in reg mail without any form of tracking? In any event, I feel Loan Depot may be in violation of my rights as a consumer, especially if they are forcing me to wait another 30 days prior to reissuing my refund. 

Please advise if I'm being unreasonable and I'll not pursue this any further. But if the CFPB agrees that this is not reasonable then lets move forward to the full extent of my rights as a consumer. While big banks can expect my mortgage payment within two weeks of a due date and then charge me for a late fee, I feel that the favor should be returned when waiting almost two months to receive my refund. I have bills to pay, and unlike the big banks, I do not have millions sitting around in my checking account to get by on. 

All the best, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX Auto Financing XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto DealersXXXX New XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Comerica
State: TX

Complaint narrative:
they have had it listed as a charge off for over 4 years per Texas state law it should be removed they are not doing so

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Called from this phone number XXXX and said I owed Wells Fargo {$1000.00} from 2012 provided me with my my social security number and ID number, rather than asking me for it, they already had it. They asked for my job and banking info to collect. I do not owe Wells Fargo and its not even reflected on my credit report. Theyre a scam and I dont know how they got my information

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 2021-05-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX and Equifax are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2021 I received a call from what looked like my banks customer service number, It was in fact the exact number that was on the back of my debit card. I answered and it was a foreign man on the other line, he said he works with capital one and that my bank information/ account has been compromised. asked me if I was currently in Alabama ( I live in Louisiana ) and I said no, and he said that charges of over $ XXXX {$500.00} dollar were in my account and that He would gladly close my account and issue me and new card I got on my online app and I saw no such thing ( instant red flag ) he asked for personal information like the numbers on my card and 3 digit code on the back..I hung up and blocked the number. Today, XX/XX/2021 i received a call from a California number, I answered bc i work in a place where I receive phone calls from different states. Again, it was another foreign man telling me my account has been compromised and I said almost verbatim as the man last time. This time, this man had my name and my social security number. I am scared for my credit and personal safety. Please see fit that this information is true to my knowledge and it absolutely scares me to know that some random person out there knows my SS # and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company ( Original Creditor : GMAC ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation