vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Belem Servicing LLC
State: TX

Complaint narrative:
I am not a customer of Patriot Home Mortgage, I received an advertising mortgage offer from Patriot Home Mortgage posing as my actual mortgage lender who issued my loan. 

I received an advertisement posing as my mortgage lender ( I currently have a VA mortgage on my house ) on XX/XX/2021. The view window of the letter piggybacks on the title of the lender of my closing so that I think the letter is an official communication from my lender. The advertisement came from Patriot Home Mortgage NMLS ID # XXXX. The concern I have that I wanted to bring to the attention of the CFPB was the misleading reference to a " Fixed Rate '' that doesn't follow my understanding of the CFPB rules for advertising that I have included references for. 

The advertisement presents a " New 30-Year Fixed Rate '' of 1.75 % /2.433 % * APR. 

Not until the fine print at the bottom of the page does the ad detail in very small print that the " fixed '' rate is in fact an ARM, it does not indicate that the rate is subject to future increases, but mainly the advertisement does not follow CFPB regulations that I've copied in the below link and pasted the subsection below relating to points A and B. The footnotes do detail that the rate is fixed for 3 years. I am a veteran and I work in finance and I found this to be predatory and/or deceptive. 

I have attached a screenshot of the picture of the letter blocking out my identifiable information, if more information is needed I can be contacted. 

Referenced material : https : XXXX # XXXX ( 1 ) Misleading advertising of fixed rates and payments. Using the word fixed to refer to rates, payments, or the credit transaction in an advertisement for variable-rate transactions or other transactions where the payment will increase, unless : ( i ) In the case of an advertisement solely for one or more variable-rate transactions, ( A ) The phrase Adjustable-Rate Mortgage, Variable-Rate Mortgage, or ARM appears in the advertisement before the first use of the word fixed and is at least as conspicuous as any use of the word fixed in the advertisement ; and ( B ) Each use of the word fixed to refer to a rate or payment is accompanied by an equally prominent and closely proximate statement of the time period for which the rate or payment is fixed, and the fact that the rate may vary or the payment may increase after that period ;

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
The debt was paid XX/XX/16, they are telling me that I need to wait two more years for the account to be dismissed, which never happened before, if the account is paid in total, companies immediately accept the dispute and erase it. 

Here is the accurate information for you to help me out, I need to repair my credit. 

FRANKLIN COL ( XXXX XXXX ) Account # XXXX Account Rating XXXX Original Creditor : XXXX XXXX ( utilities ) Remarks : XXXX XXXX Amount Placed : {$110.00} Opened : XX/XX/16 XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Respecfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2021, my bank ( XXXX XXXX ) made a wire transfer on my behalf to JP Morgan Chase Bank, ABA XXXX, Account Number XXXX. The amount transferred was {$17000.00}, in payment for an antique automobile that I was purchasing. 

On XX/XX/2021, I discovered that I had been scammed by the account holder. The business entity which had solicited my payment could not be contacted by phone or e-mail. 

On XX/XX/2021, XXXX XXXX attempted to recall the wire transfer and was informed by Chase that the funds were unavailable for return. 

I subsequently called Chase Bank to ask for assistance but was told that, since I was not an account holder with Chase myself, they could not help me. 

I filed complaints with the XXXX XXXX XXXX XXXX XXXX ( XXXX ) system as well as the FBI Internet Crime Complaint Center and called the Consumer Financial Protection Bureau. 

The police in XXXX XXXX, Virginia, where I live and the XXXX, Florida police have informed me the bank records of that account would have to be subpoenaed and investigated in order to prosecute for recovery of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: FL

Complaint narrative:
ACCOUNT TYPE OPEN ACCOUNTS ACCOUNTS WITH A BALANCE REVOLVING XXXX XXXX {$52000.00} {$16000.00} {$68000.00} {$1500.00} ... WRONG! 
MORTGAGE XXXX XXXX {$230000.00} {$13000.00} {$240000.00} {$0.00} ... WRONG! 
INSTALLMENT XXXX XXXX {$5000.00} {$9900.00} {$15000.00} {$480.00} ... WRONG! 
OTHER XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} TOTAL XXXX XXXX {$280000.00} {$39000.00} {$320000.00} {$2000.00} ... WRONG! 


*ALL OF THESE BALANCES ARE WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo insists on reporting a fraudulent account on my credit report. I wrote the several letters in the past notifying them I never lived in the state of Georgia and I did not open this account they sent me a letter requesting a police report but XXXX Police Department advised me to acquire more information from Wells Fargo that they refuse to send. Afterwards they sent me a letter stating that found no evidence of fraud and re-inserted the account back on to my credit report which I don't understand because I have never lived in Georgia. I am extremely frustrated by the process I have had to go through to remove this fraudulent account from my credit report and I feel like someone has purchased my information because there is one additional fraudulent account reporting which is an account with XXXX XXXX also from the state of Georgia.Credit card companies allow just about anyone to apply without a through verification of their identity. 
They state they determined the account belongs to me but sent me no information in regards to how they went about " verifying '' this is pure financial XXXX  Please see the attached letters I have sent to Well Fargo.

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 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Constar Financial Services, LLC
State: CO

Complaint narrative:
In XXXX of 2018 I discontinued my Service with XXXX XXXX I paid off the final amount owed in XXXX of 2018. Today I received a collection notice from a company called Constar Financial Services claiming I owe XXXX XXXX  XXXX. I made the mistake of calling and talking to them and of course they only wanted was information. I then contacted XXXX XXXX who assured me I owe them nothing and they do not know of this company. 
The company claims to be Constar Financial Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX phone # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit reporXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.

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 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.

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 2021-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently bought a car. The dealership ran my credit 25 time. I understand that when shopping for a house or car loan the can apply to as many places as you want in 30 days to get the best rate. My understanding of the fair credit act is that the inquiries made in a 30 day period should only count as one inquiry. They are showing as 25 different inquiries which had lowered my credit score over 20 points. How do I fix this.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2020 and again on XX/XX/2020, my credit card was erroneously charged {$18.00} on each date. After writing to the credit card company, I received form letters stating my complaint was resolved in my favor and both times the {$18.00} charges were reversed. 

Again on XX/XX/2020, another erroneous charge of {$18.00} appeared on my statement and I sent another complaint on XX/XX/2020. I received the standard form letter ( dated XX/XX/2020 ) stating they will investigate and that they " will send me a letter detailing the results of our investigation '' and that my account would NOT be " subject to interest charges and you do not need to pay any portion of the disputed transaction ''. 

Except for the {$18.00} charges, every single month prior to the due date, I paid all balances in full. I made no purchases in XXXX and XXXX so I received neither a XXXX nor XXXX Statement nor a letter from them detailing their investigation results. 

I made a purchase on XX/XX/2020 and therefore received a XXXX statement which reflected that purchase, plus the XX/XX/2020 {$18.00} erroneous charge, plus numerous late fees, misc fees and interest fees equaling {$75.00}. I paid the purchased item immediately. 

After nine ( 9 ) monthly detailed letters to them, a phone call and nothing but lip service, the erroneous {$18.00} charge has grown to {$300.00} because of their monthly late fees, and all kinds of interest fees. In XXXX I did receive a form letter from them stating their charges were valid but DID NOT state why or the results of their investigation which in the past had proven erroneous.

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 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My account was closed by Chase Bank. The amount is XXXX and XXXX from previous balance. At this point, I do not know if interest has been added. On XX/XX/21 I received a letter from Chase indicating my funds will be made available with 8-10 business days. I have gone to branch and made over ten calls. I have written the office of the CEO in NY. I am tired and desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I was making payments each month for past 7, that included few dollars each month overpayment. There was no Covid relief anything like it. I am still learning what this company is as when I signed for those loans I was young, did not know better nor I had excessive knowledge about loans coming from another country. Anyway, payments were made, and I do not recall making any targeted payments except first, with that said it was automatic, but the money was applied, to make 6 out of 5 loans short. The total past due showed up few cents on each loan which is ridiculous, but it can trigger late payments on all, negative report to credit companies and loan being in default and basically ruin my life. 

When contacted AES did not offer much of explanation except breaking down payment applied, but did not answer which payment was it, for which month. AES just offered for the payment to be reapplied to cover the past due. I asked again, no explanation was offered and with that I know I did not do payment incorrectly, because if I did that would cause issues earlier. On top of that if I am paying it off, the payments technically should be lower than previous and I was overpaying too. I believe the payment was applied whatever way AES wanted to make a past due amount, and then charge late payments and XXXX me up. For time being AES stated that past due has no negative consequences like they are doing me a favor. I think something shady is going on. I set my payments for few month manually thinking it would be easier and if I did not look, I would be in trouble. I don't know what this company is doing, but I sure would like to find out as I am not the only one experiencing this with AES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: TN

Complaint narrative:
I have been the victim of identity theft. Based on the review of my credit report, the following inquiries were not authorized by me : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MS

Complaint narrative:
I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , IN XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.

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 2021-09-09 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: IN

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: MS

Complaint narrative:
I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2021-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I have repeatedly asked this company to stop calling me, but they turn around and call me right back. They have been harassing me for months. I am not collecting dates and times to report them.

Company response to consumer: Closed with explanation