vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
The individual initially reached out to me through a random comment on a post I made on XX/XX/2021 through XXXX, there was a conversation how she was a XXXX XXXX looking to spoil a XXXX XXXX and enticed an initial payment for {$4000.00}, followed with a {$200.00} weekly allowance. It started off with small payments of under {$100.00}, two payments. Then the amount grew to {$450.00} and eventually {$950.00}. I stopped at {$450.00} as soon as I caught on. it started with XXXX fees, then attorney fees, then the account manager. I paid {$450.00} to them through XXXX using the Chase website. On XX/XX/2021, I have tried calling Chase to dispute the money transfer and transaction but the representatives over the phone were rude and did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: GreenSky, LLC
State: CA

Complaint narrative:
GreenSky authorized a loan in my name that I did not request or approve. They ran a hard credit check on XX/XX/2020 and authorized a {$5100.00} line of credit on XX/XX/2020. The account is still active. GreenSky has no record of my social security number attached to any accounts. They have refused to give me a written statement saying that this account isnt mine. Even after confirming that I do not have an account with them, they certified the account information with XXXX. XXXX  will not remove this account from my credit report without a written statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: DISCOVER BANK
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX someone impersonating Bank of America called me regarding fraudulent activity on my account and had me transfer over {$2000.00} via XXXX to protect my remaining funds. Person stated funds would be returned to my account the following day. Funds have not been returned. Contacted Bank of America fraud department and they opened a claim. Claim number is XXXX Because this was a scam and not technically fraud, I may not even receive my money 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 monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same. 
Attaching the terms and conditions document along with the chat.

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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I used Cash App to send money that I cash advanced from my XXXX credit card. I disputed the transaction with XXXX on XX/XX/XXXX and then quickly cancelled the dispute 10 min later because I saw the account the money went into. ( I originally thought it went to a different bank account ). XXXX told me they cancelled it. Apparently XXXX contacted Cash App but did not cancel the dispute with them. Cash App took the money out of the account I sent it to and took it out of the bank account it went to. Cash App sent notices on my account that read they were going to credit back the card issuing bank ( XXXX ) on XX/XX/XXXX but never did. I have been calling, texting customer support and emailing but they still have my {$590.00}. None of the various phone numbers listed for Cash App let you talk to a live person. They are recordings that tell you to email or do a live chat with a representative. I have contacted XXXX and the bank it went into and then pulled back out of and they both tell me I have to contact Cash App because they told me they would credit back the XXXX card, which they have not. Please contact a higher level of management and help me get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have no debt with them but they keep calling my number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Their is an account showing with no creditor to be able to validate the debt. This is a violation of my consumer rights and it should not be reporting. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I tried to send a payment for XXXX $ to someone. The payment didnt go through at first. An error popped up and said to try again. I tried again 3 more times. Each time the error message came up and said the payment could not be processed. I then called zelle customer services see what the problem was and they said that it must be the receivers bank. So I decided to send the money another way and decided to delete my Zelle account because this isnt the first time Ive had a problem. After deleting my account I then called my bank ( XX/XX/XXXX and XX/XX/XXXX ) to double check that the attempts wouldnt be completed. Now today, XX/XX/2021, I check my account and the 4 XXXX $ payments have been processed and completed. I order to rectify the situation I then contact zelle to which they claim they cant help me because I deleted my account. I asked them to replay the recording from XX/XX/XXXX where I asked them to make sure they didnt go through and they said theyre non existent. I dont know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was charged with a returned item fee of {$34.00} by Synchrony Bank on the XXXX of XXXX, 2021, however, I paid the remaining balance in full on the XXXX of XXXX, 2021.

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Due to a job loss that occurred years ago, I fell behind on my loan and could not afford to reinstate it nor did I qualify for a loan modification because I did not have the income. I have been working for months to do a short sale with the lender and I am currently under contract with an offer but the offer is under review and we are not quite ready to close but the mortgage servicer is not wanting to allow the additional time needed so the that the buyer can close. I have met all requirements given by the servicer and I am in the process of moving out of the house to prepare for closing. At this time, I am a self employed individual and can not afford to deal with the repercussions of a foreclosure, when I am making a great effort to get the debt resolved and settled. It would negatively effect my business. I have provided all of my financial paperwork, settled with the homeowner 's association on the home and just need at least an additional 30 days so that my current buyer can close. I've been doing the short sale for over a year now and do not want my work to go in vain. I just want to get this settled so that me and my family can move forward. Please help me get this resolved, I do not want a foreclosure to affect my credit any further than it has already been affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PARSON BISHOP SERVICES, INC
State: TX

Complaint narrative:
Called Approximately at XXXX CST and politely asked said Hello is this XXXX XXXX then I began to ask what company she was with. She refused to answer until finally she stated she worked with Parson-Bishop. I then proceeded to ask what this was in regards to and she responded with This is not a sales call and then I proceeded to ask what she was wanting and she then stated When you want to stop acting XXXX give me a call back and then proceeded to hang up the phone.

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I requested a pay off quote on XX/XX/20. They told me that I had until XX/XX/20 for {$3900.00}. On XX/XX/20 I completed a online payment of {$2700.00} and sent {$1200.00} in a cashier check. I paid the {$2700.00} online because I knew the cashier check wouldn't get there by XX/XX/20. I thought by paying the {$2700.00} first I can keep the payoff amount as quoted ( the interest would not accrued. ) I called customer service to ask if this would be an acceptable method ; he confirmed that it would be fine. 

They cashed the check XX/XX/20. These payments were not applied to the payoff amount ; the account is still showing unpaid principle amount of {$850.00}. I have been trying to resolve this issue since XXXX. XXXX XXXX, they told me that they can not honor the online payment as a payoff amount to the principal because it was not in the cashier check form. 
For the past 7 months, I have been the only one reaching out to them. I had explained to 10-15 customer service about my issue ; every single time, each one of them said that they would call me back, but none did. I feel that I had paid for amount and even proactively to sent the payment earlier so they could the money earlier. Due to technicality how the payoff payment was made, they lengthening the time of this issue to be resolve to accumulate the interest. 

I would appreciate any advise on how to pursue to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: DriveTime
State: FL

Complaint narrative:
On XX/XX/XXXX an inquiry was made through DT Credit for a car loan under my name which was false. I have not owned a drivers license since XXXX. I called the number on my credit report and they in fact confirmed that this was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: MO

Complaint narrative:
I had a debt with XXXXXXXX XXXX XXXXXXXX. The sold it to Penn Credit. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
I have been attempting to have my Morgauge taken out of forbearance since XX/XX/2021. I have filled out the paper work on numerous occasions and faxes it over in three separate occasions since XX/XX/XXXX. I have been placed on hold on numerous occasions and have attempted to reconcile the issues. Loan care is not returning my phone calls or updating me about required paperwork or if more paperwork is needed. They continue to extent my forbearance period without my permission and are becoming impossible to work with.

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 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is due to the high tolerance rate of hiring people that don't know what they do this was because of the fact that there wasn't nobody in charge at the time and the dealer was nowhere around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
My complaint is as follows : XXXX I have leased XXXX XXXXXXXX XXXX for a monthly amount of {$270.00} -The financial representative added an insurance of tires of additional cost of {$26.00} to the contract without my consent and approval, -The amount of my monthly payment increased to {$290.00} a month -I called Honda and the dealer to cancel the insurance of tires - I have submitted several complaints to CFBP ended up that the dealer sent the additional amount of {$960.00} which is covering the additional cost back to Honda Financial services. 
-I called Honda asking about the check, - XXXX  from Honda told me that she had been told by her manager that she check will be held till I return the car after the 36 months end - XXXX  advised me that the insurance is cancelled and tires are not covered and they are holding my money that I paid for the tires till I return the card back - please help me against this Fraud by Honda Honda Financial services, they are refusing to end me my money back - I never seen such thing in my life that such company is steeling the customer just like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: NY

Complaint narrative:
Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation/debt collector to do correctly. Respectfully, I entered a consumer credit transaction with Volkswagen Credit on XXXX, which involved a finance charge. In Good Faith pursuant to 15 USC 1692g, On XXXX I sent VW Credit my request for validation, only to received a copy of the Installment Sales Contact. Where it states " Security Interest, " This secures all payment you owe on this contract ''. '' VW Credit has not provided me the required information pursuant to federal law. Nor did VW Credit provide me with the name and address of the original creditor. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. VW Credit is in violation of the 15 USC 1605 Truth In Lending Act. VW Credit didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Volkswagen Credit is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692K. Volkswagen Credit has been invoiced pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to open a checking account in my name only at the Truist Bank, XXXX XXXX branch in XXXX Georgia XX/XX/XXXX. The bank employee took my SS # and address and entered into the Truist system. She was then directed to call the Truist Fraud division before opening the account. After the call, she indicated that I could not open an account due to information the Truist Fraud Division had on me personally. Yet, I have no way of knowing what that information is or how to possibly address and correct it. 

I am an Officer / Commercial lender for an FDIC regulated Bank in Georgia and I am being told by another FDIC regulated Bank that I can not do business there due to some untold fraudulent or criminal activity, yet no one at Truist will help me address it. I am concerned that the information Truist holds may impact my job here at this Bank. Or possibly, any job I apply for in the future. 

As a consumer, I respectfully request the opportunity to clear my name and address any suspicious activity that's preventing me from doing business with Truist Bank. No one at Truist will discuss the situation.

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