vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
The Money Source became our new lender after processing through XXXX. On XX/XX/XXXX ( we received XX/XX/XXXX ), we received a Goodbye Letter with XXXX and The Money Source sharing the letter head indicating that XXXX XXXX XXXX purchased our newly refinanced mortgage from The Money Source ( XXXX ). XXXX, in the Goodbye Letter, did not accurate indicate our new mortgage account number and also inaccurately represented the due date of the new mortgage with our new mortgage company. I had to research the correct number with XXXX and ensure that our first payment with them was on time. 

During this process, The Money Source AND XXXX XXXX XXXX BOTH reported an active mortgage to XXXX, XXXX, and XXXX. We have ( my husband XXXX XXXX XXXX and I, XXXX XXXX XXXX ), in effect, a gross discrepancy, an egregious financial reporting error, of {$220000.00} in a mortgage which no longer exists, and a monthly payment which no longer exists. 

XXXX XXXX XXXX closed on the sale of our mortgage FROM The Money Source on XX/XX/2021. Today is XX/XX/2021. After filing disputes with all three credit reporting agencies, today we STILL have duplicate trade lines, and The Money Source, after at least 5 emails and phone calls, HAS NOT CORRECTED the mistake. I'm a small business which needs a lines of credit and working capital. My credit rating plunged 100 points because of this error. It has partially but not wholly recovered. It was WELL OVER XXXX points ; it remains from XXXX to XXXX. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I came to my place of residence to a notice taped to the outside of the entry door for public display, I received a call from my neighbor while at work stating that there was a collection notice from JPMorgan Chase bank Suing me for the sum of {$18000.00}. They stated on this notice it was an attempt to collect a debt. Which is a violation of 12 USC 1431. This company has never validated any debt with this creditor. They are also in violation of 15 USC 1692g I am disputing this claim and I am requesting that they validate that I owe this debt. This is not a refusal to pay them. 

They filed this with XXXX county ( as per this letter, on XX/XX/2021 ) but its dated XXXX XXXX. This was not received in a timely manner for me to respond. XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX are the attorneys for Chase bank and they have no authority to attempt to collect on this allege debt. They have negatively impacted my credit data and this misleading and false reporting. I am seeking litigation in regards to this matter. They have not provided this creditor with a court date to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
XXXX XXXX and XXXX  has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MD

Complaint narrative:
First received a email from a XXXX XXXX XXXX named TrueAccord saying that I owe XXXX XXXX ( which I retired from in 2004 XXXX {$86.00} that was reported not paid on charge card. 
So I called XXXX 's and talk with the Credit Customer Service and was told that bill was paid off so, I had the sent me a email stating that fact. But keep getting threatening emails. From them with a phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
There are two separate incidents, but both involve the Bank 's refusal to credit my debit card for services that were never received. 

The first is with a company named XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I paid XXXX two payments, one of {$460.00} and one of {$430.00}. For this, XXXX  was to republish a book that I had written, build a website, provide me with the login information to manage the website, create and produce a book trailer, and do other advertisements to promote the book. The only thing XXXX did was create a website. They did not give me the information so I can log in myself. They did not publish the book -- it is nowhere to be found on XXXX or any other platform. They did not create the book trailer. I sent numerous email asking about all of the things I paid for and they apologized and stated they would do it. They never did. I requested a refund and then they went away. 

I filled out a dispute with Navy Federal Credit Union. This was more of a nightmare than dealing with XXXX. On three separate occasions, Navy acknowledged receipt of all my supporting documents, then shortly after closed the dispute for failing to receive the requested documents. Each time this would happen, I would call and let them know of the exact date the items were sent. They would research and then apologize and then reopen the dispute. Finally, on XX/XX/XXXX, they closed the dispute saying " we found no error occurred '' and " you were charged for the amount you owed after receiving merchandise or a service. '' This is obviously not the case. I received nothing, but an inaccessible website. 

The other incident is with XXXX XXXX and this is even more egregious. I was in XXXX with my fiance. We purchased what we thought was a great vacation package. We soon discovered we were scammed. The package cost {$6000.00}. I paid {$2000.00} with my Navy Federal Credit Union Card and my fiance paid {$4000.00} with her XXXX XXXX XXXX card. As soon as we arrived back to the United States, we attempted to use the package and discovered we could not. We literally received nothing. 

As with XXXX, I filed a dispute. As with XXXX, the dispute for this transaction was open, closed, open, closed, open, and then closed again. Finally, on XX/XX/XXXX, I received the last notification that the dispute was closed " a notice was sent requesting additional information ... .but it was not received. '' I literally sent them everything three times. 

I feel that Navy wants me to sue them. I asked for a copy of the investigation which convinces them that services were received. They have failed to provide anything to me. I am requesting that Navy refund the {$2000.00} from XXXX XXXX and the {$460.00} + {$430.00} from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Has been going on for years theyve asked for affidavits I sent over five years ago they claimed they didnt get them and continued harassing me by phone. I send them yet another copy of the affidavit but I didnt get it notarized that time. That was probably three years ago. Then they ask me to hand write a letter take a picture and email it. I did that twice and the second time I got a notice that their inbox was full. When I called and told them they told me I was lying. Ive attached the hand written letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS II, LLC
State: MI

Complaint narrative:
I have followed the advice of a Credit counselor and sent Gateway Financial certified with return receipts request for them to send me all the properly required documentation in accordance with the proper laws and Syntax of my request. The only response is that they do not have any records of the suspect account. 
After the appropriate 30 day time frame I sent them a day day notice to remove the report from my credit history and they have until now refused to stop reporting a debt for which they have no records. 
The date of my final request for them to delete this file was XX/XX/2021. 
The specific information is : Gateway Financial Solutions XXXX XXXX XXXX XXXX, MI XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: VA

Complaint narrative:
I paid my loan off in XX/XX/XXXX. My local store shut down and all titles from TitleMax were supposed to be sent to Corporate Office. I have been in contact with them and they say they have not received my title. Almost like my title is somewhere lost. Theyre providing me with false information, stating that I spoke with someone yesterday and my last call to them was on Friday. I never called them yesterday.. at this point Im very frustrated because I have a car that I need to sell, but dont have a title for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUHOME SOLUTIONS, LLC
State: IL

Complaint narrative:
I sent an Eform from Mortgage Company Tru Home Solutions website, Requesting Forbearance On my FHA Loan with Covid-19 Relief Laws in place on XX/XX/2021. 
Email returned from them states that our loan ( FHA ) Does not meet their Criteria. 
It's my understanding that you just need to be in Hardship and hold a Federal Backed loan!? 
We feel they are just throwing paperwork at us to waste time on run out the short time that we have ( XX/XX/2021 Deadline ), so they can deny and say oh you missed the deadline or any other reason in their favor. 
I also have some information about mortgage that I would like to attach in .jpeg format. 
Also sending over the email I got from them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: KS

Complaint narrative:
My account at chime was hack I had chime to freeze account now it been almost 2 weeks now they are ignoring me and not opening the account back to me I need to file this complaint to get it back open please all my money is there I nothing for living on now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. 

In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. 

In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. 

In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. 

In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. 

Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 
2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. 

One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I'm in the middle of making a home purchased when I had my credit report pulled & noticed that there was a collection account from XXXX  XXXX under ( PORTFOLIO RECOVERY ASSOCIATES below details ) i called the collection company on file and was told I owe {$1000.00} ( usd ) & that if I don't pay they will proceed to sue me & ruined my credit I advised the rep that this is not me and there is an error after much back & forth i notice the call was going nowhere so I decided to reach XXXX  XXXX and advised them about the matter they proceed to take me trough the step to getting this corrected I have never had a passed XXXX  XXXX account only my current XXXX XXXX  card that is in excellent standing. i have never left a debit unpaid or missed a payment in non if my loans or credit cards. 

Also I have an open claim with XXXX  XXXX # XXXX CASE ) I have done the same with XXXX. 


PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
15 U.S Code 1666b ( a ) was not followed at all. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. All of my statement dates that has been EMAILED with this information are well over 21 days BEFORE my payment due sate which is the XXXX of every month so in which none of my payments should be counted as late. This is the law i did not just make this up.

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 2021-06-22 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: PA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PulteGroup, Inc.
State: OH

Complaint narrative:
Pulte Mortgage company cancelled my loan application for " violation of their policy ''. The policy I supposedly violated was never stated, just vaguely described, and roughly meant I had to verbally answer questions like my social security number and date of birth on a recorded phone line. I explained I was not always in a setting where I could do that, and requested we would communicate in writing if it was important. That alone was enough for the company to cancel my loan application. 

When I asked questions about why my loan was cancelled, they adjusted their story. They said it was also because " I had made accusations against them ''. I had indeed frequently pointed out that they kept changing their story when communicating with me, but am only speculating that those are the " accusations '' I am ( in part ) being denied credit for. 

The original source of our misunderstanding was where the loan officer told me to click on some links, but that nothing was final yet, as the anticipated closing date was very far out ( more than 180 days ). He mentioned on the phone that nothing was final and that I was not entering in a contract with them, and marked a similar statement in his emails in yellow highlight. Despite these assurances, they went ahead and deducted {$570.00} from my bank account in pre-paid fees. When I explained that was not in line with the promise that nothing was final and that we would not be entering into any contract at this point in time, they initially refused to refund my money. 

They have since promised to refund the fees they already took from me ( {$570.00} ) but they have not yet done so. They did run hard credit pulls with at least two credit reporting agencies, even though they then also denied doing that. 

The builder of my house ( Pulte ) had promised me XXXX off closing costs for using their affiliated lender. Although the lender per se is not causing me to lose that incentive, it's adding injury to insult.

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
A payment was processed by accident that was going to overdraw the account. I sent messages to the vendor, to the transaction company, and to the bank to prevent the transfer, but all three dragged their feet and, 3 days after I requested the transfer be stopped, my account was charged. I continued correspondence with all three entities to reverse the transaction over the next two weeks, over which time the charges were rejected and then re-submitted 3 more times, all while I was begging for any opportunity to fix the issue. Regions did nothing but blame me as they purposefully allowed this transaction to post over and over until they had extracted more than {$100.00} in overdraft fees, the last of which occurred days after I had confirmed the payment was refunded in my correspondence with both the vendor and the transaction service. We should not incentivize banks to parasitize the working classes.

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 2021-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary Portfolio has REPEATEDLY called my number asking for some guy with me telling them that they have the WRONG NUMBER! I do NOT know the person they are calling for. My number no longer belongs to that person, and has not for several years now. This company has been calling my number for YEARS with me telling them they have the WRONG NUMBER. They need to figure out the right number and stop calling me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Freedom Mortgage Company
State: AZ

Complaint narrative:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

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 2021-06-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation