vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: NJ

Complaint narrative:
I am submitting a complaint because there have been multiple violations against from the credit bureaus, I sent several letters and I have yet to hear anything and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying secure financing for a property and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check into my checking account with chase bank. It was upload thur the mobile app. It cleared and the bank put a hold on the check. I ask why was it on hold and I was told. Its a possibility it could be fraud or a bad image or the check was altered. So chase told me that the check will come back as fraud and once it do they will close my account. I told them that check is not fraud. I wait the 7 days and the check did clear. So they told me if it do clear no matter what there still closing my account. They also told me they will release the funds in the form of a check and mail it to me. And still close the account. I havent yet receive the check. Still waiting for it to come in the mail. My concern is why is my account being closed if the check has cleared. I never had any issues with my account. And chase isnt it giving me any explanation to why. This will effect my banking history. Please Help me with this matter. Im not being treat fairly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My husband passed away XXXX XXXX. He left a will leaving me as sole beneficiary of his estate.Including in his estate was a property located at XXXX XXXX XXXX XXXX XXXX which had a mortgage.I sold this house and went to closing XX/XX/XXXX. I couldnt afford the mortgage after his death. 
Prior to my husband 's death the mortgage was held in his and his ex-wife 's name.After the ex-wife received everything she wanted within the divorce agreement she, by law had to issue a quick claim deed to myself and my husband for the property mentioned above. 
PHH Mortgage is refusing to issue the escrow refund check to me although they have already declared me to be successor in interest. 

I have complied with their requests to send them multiple documents to their " research '' department to no avail.I have sent them PHH Mortgage my husband 's will and the deed reflecting my ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Continued harassment causing emotional distress. Debt is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.

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 2021-10-15 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: NJ

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 30 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations included on my disputes on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: NC

Complaint narrative:
On XX/XX/2021, I received a referral invitation to apply for a SoFi personal loan. When I opened the link, I was prompted to fill in my information to check if I was preapproved for the loan. SoFi soft pulled my credit report and I was indeed preapproved, they displayed the amount and the interest rate I was preapproved for. Based on that, I decided to proceed with my application. During the application process, they requested that I upload live photos of the front and back of my drivers license, they sent a link to my cell phone that asked me for permission to open the camera and take the photos. The application went under review. On XX/XX/2021, they hard pulled my XXXX report. On XX/XX/2021, I received a phone call from XXXX at XXXX XXXX ET, I was at work and I couldnt pick up the phone. He left a voice message asking me to call him back. Five hours later, I received an email from SoFi informing me that my application has been denied because theyre Unable to verify my identity. I found this process to be very deceptive and unfair. I was already preapproved for the loan, they obtained my credit report, I uploaded LIVE photos of my drivers license and I was asked to provide my checking account information at another institution during application, this works as a second layer of protection because SoFi can cross-match the identity information of the checking account owner. Its worth noting that this loan was for {$5000.00}. I had 4 car loans in the past from 3 different banks, I never had an issue and none of them operates like SoFi. If you for any reason still want to verify customers identity, you could ask for photocopies of SSN, W2, or just wait for them to call you back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
On XX/XX/21 I wanted to contact Vanderbilt Mortgage back about the information they gave regarding contacting HUD to see if they were able to help me during my hardship due to Covid-19.I am currently 3 month behind since XX/XX/21. I spoke with XXXX XXXX about my situation. I told XXXX my unemployment stopped XXXX XXXX he did not believe me and went to my states unemployment page and told me that it did not stop and it didn't state anywhere on the page. From that point I felt he did not have any empathy towards my situation and basically made me feel I was lying. He continued to talk over me when I told him I have a job interview in a couple of days. XXXX continued to be very rude to me. I asked him his first and last name because I wanted to speak to a supervisor because of his actions. By this point I was livid because I could not believe the way he talked to me and continued ignoring my question about his name telling me he will not answer my question until I answer his.. He finally placed me on hold and no one ever came to the phone. I had to call back to get someone else that did not want to hear about my complaint but only wanted to talk about my balance. No one apologized but I called back again and was able to submit a loss mitigation request on XX/XX/21. During these unprecedented times I have loss my job, loss unemployment and had to deal with my daughter having XXXX. I am a very pleasant person and I have over 20 years of Customer service skills and clearly I was not treated like I should have been treated and this isn't the first time this has happened with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: CA

Complaint narrative:
On XX/XX/2021, I notified Equifax that several of the accounts they were reporting on my credit report were subsequent to identify theft. I filed the appropriate police reports, an FTC Identity Theft Report, Identity Theft Affidavit, and multiple letters to the several alleged creditors. Equifax initially deleted this information but as of today ( XX/XX/2021 ), Equifax has put all these accounts back on my credit report well-knowing, and after having determined these accounts were fraudulent, and previously deleted them. Equifax allowed these to be placed the fraudulent accounts back on my credit report AFTER having deleted them for a month. I have tried following up with them to seek an explanation but Equifax is entirely unresponsive claiming that they are missing information despite the fact the I mailed everything to them and I have proof they received it because I mailed everything certified mailed return receipt requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON/COLLECTION/CHARGEOFF # XXXX OPEN DATE : XX/XX/20 AMOUNT : {$6400.00}. THIS ACCOUNT IS FRAUDULENT I HAVE NEVER AUTHORIZED SUCH SERVICES I HAVE NOTIFIED THE COMPANY OF ACCOUNT REPORTING ERRONEOUSLY.

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 2021-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
To whom it may concern, I recently checked my account and noticed PAY PAL has been withdrawing {$44.00} from my account monthly for 3 months listing the charge as " XXXX ''. I contacted them and I informed them I did not authorize these charges and they have not helped me to resolve this. Thank you very much for your time and help in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I purchased a dating service via my Chase Freedom Card ( Chase ) on XX/XX/2021. On or about XX/XX/2021, I notified Chase that the vendor was not provided the service pursuant to the terms of their Agreement, and I was disputing the charge of {$4500.00} from the vendor. 

On XX/XX/2021, I completed a questionnaire from Chase regarding the disputed charge. I faxed the completed form at a Chase branch in XXXX XXXX, NJ. On XX/XX/2021, I received a second request from Chase requiring additional information regarding the disputed charge. I then submitted my 2nd completed questionnaire on XX/XX/2021 and faxed the questionnaire at the Chase branch in XXXX XXXX, NJ. 

On XX/XX/2021 I received a letter from Chase saying that they found no billing error based on our research. They did no research nor did they review the two ( 2 ) questionnaires I completed. ( Please note that their letter was signed by an individual only providing their first name, which provided no accountability. ) After receiving their letter of XX/XX/2021, I called Chase and they then put the charge back in dispute. They sent me another letter dated XX/XX/2021, stating that I didnt have to pay the disputed charge while they investigated. From the period of XX/XX/2021 until XX/XX/2021, I received no communication from Chase regarding the disputed charge. 

On XX/XX/2021 I received a letter ( again signed by Chase representative with their first name only ), stating that they are reinstating the charge since the merchant was willing to provide the services as described but you opted to cancel the agreement. This statement is false, since the merchant was totally unresponsive and did not provide the services pursuant to their Agreement. Chase attached a letter from the merchant dated XX/XX/2021, with a copy of the Agreement, which I had already provided Chase. 

There were multiple falsehoods in the merchants letter, but Chase did nothing to investigate. I reached out to Chase via phone calls to speak to a representative, but they refused to do anything. There was NO INVESTIGATION by Chase. 

I then went to a Chase branch in XXXX XXXX, NJ and spoke with XXXX XXXX, VP at the bank and she submitted a request to Chases Solution Department. However, the Solutions Department did not investigate it further. At this point, I informed Chase that I was going to submit a complaint with the FTC, since Chase was negligent in their duties to thoroughly investigate the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX referred me to Professional Credit Service ( PCS ) for a medical bill that they wrongfully sent to collections, after the advised me I was eligible for XXXX XXXX. I submitted the application and required documents and was told XXXX XXXX picked up my account and my balance was {$0.00}. The didn't send me prior notice or call me to inform if they had made an error or before they decided to reverse the fees and refer me to collections. There are federal and state protection laws that require that they make reasonable attempts before referring to collections, including that I am provided with 150 days from the initial billing prior to making attempts to collecting on a debt. This was not the case, and I was mislead to believe I was approved for XXXX XXXX. Then when I asked for a notice I received the approval notice with different dates that does not coincide the medical billing date for I applied for. I need PCS to immediately stop all collections made against me until this matter is resolved with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OK

Complaint narrative:
This is has been going on for several months, however today was the most egregious violation of the Fair Debt Collection Practice Act that I have ever experienced : Harassment of a third party individual that has nothing to due with debt with 4 repeated simultaneous phone calls after third party requested not to contact her. On fourth call, debt collector advised her that they knew where I lived and would have the XXXX County serve me documents today and hung up on her. ( copy of phone log attached ) The same debt collector also left me an extensive voicemail ( transcript attached ) Claiming of threat that claim was being filed with XXXX County and my personal information would be made public. Please see full content on this attached voicemail transcript. 

When this account was first assigned to this company, I tried to communicate with the individual ( 1. ) I have never received any letter from them identifying who there where and instead was yelled and screamed at with derogatory alternatives of suit ; ( 2. ) I also disputed the amount and date of debt and requested full validation with all documentation and accounting of how they claim this amount. This has been asked three times with a debt collector and they still have not provided information and continue call and leave messages of egregious threat violations. 

I consideration of the Fair Debt Reporting Act - They have reported this debt on my credit bureau files before they ever sent me any letter ( s ) advising me of a assumed debt with them and have also failed to report to the credit bureau that the debt was previous requested to be disputed. 

As of today, I am not only sending them the dispute in writing and requesting that they cease and desist immediately ( per advice of attorney ), I have also obtained the same attorney for possible legal action for such violations,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I send in the monthly payments they are holding them for up to three months before apply the payment and then adding additional fees inspections ( not sure who or what was inspected ) and change of the payment amount from {$1100.00} in XXXX to {$1600.00} on XXXX. There numbers do not add for the changes monthly. The late fees are not true for all payments are sent certified mail to make sure they are in and Certified check for payment. Not sure what the inspections fee are for? This company is a problem and does not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Not sure where to start with this company thell tell you one thing on Monday and by Tuesday do something different. 

I have had countless issues with this company from deceptive billing practices, deceptive dales practicies we wanted an auto unit were told the company would do this that was not the case tried to swap or rewrite nothing but the runaroud. They had my info incorrect in system claimed we spoke on days we did not and on days we did speak had no record of. 

They have no website, no app they advised they were correcting XX/XX/XXXX XXXX and XX/XX/XXXX on CRAs Every rep had a different reason why its not done. I said I feel like Im being ripped off do I need to consult a lawyer for help just for you to make an attempt to work with me they blacklisted me customer service wont speak to me they wont take payments via phone or mail and keep shuffling me around. Ive been on the phone for 3 hrs i have the logs for when they try to backpedal there too.

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 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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