vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy fed has me in a pandemic program but the mortgage department still has me in foreclosure inwhic I can't get my check for my insurance claim. Navy will not give me my money back for a fraudulent check inwhich 4 people in the branch have said the signature is not mine and brity on the phone has also said it was not mine. The check was written to XXXX XXXX and they have said the signature in to mine and I have never written a check to myself only for deposit to XXXX XXXX never my so and I gave Navy fed a copy of all checks I have written but they are still saying I wrote them and cashed them in MN well MN is XXXX XXXX processing center not a back and showed them proff that in was in SC on that date. XXXX XXXX wants to give me the money back but that will over draw me so I said no. They may have to give e it back to Mr to investigate. Navy fed sold my Rental property before they told me that the denied my lost mitigation. They said my XXXX a month was not enough to pay my 400 monthly payment even know I had XXXX in the bank I which I was told that was to be considered. I asked XXXX and XXXX asked how much to pay to catch up but was never told. I was told by lawyer don't worry I have ten days to appeal and the paper did also but when I did I was told what are you appealing we already sold your property. Ok law said I had ten days and their paper work said the same but nothing. They stopped my lost medagation twice because they said it was empty but no one ever went out to check and I was told by XXXX a Manger of lost medagation that is how the check. The second time I told them over the phone and sent a letter. I could not do I quick sell or file bankruptcy because there was no time after the answer because again it was sold on XX/XX/XXXX and I got the letter XX/XX/XXXX and XXXX sent them proff of when I got the letter and again no on did anything. XXXX told a lot of things were done wrong and she would start an Investigation and one person called and nothing. I kept calling XXXX back and never got her again she was in a meeting at lunch and not in so I started calling her boss and got the same thing so I just gave up. Lost medagation screwed me twice the house is empty and don't have enough mountly in come even though I have XXXX in my account which was enough to get me present but no one would till me how much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
15 U.S. Code 1692e.False or misleading representations, also states that A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.

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 2021-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX financial took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase insurance seperately. 
I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 usc 1692 ( e ) Take Notice that Pursuant to 15 usc 1692 ( a ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you XXXX XXXX XXXX XXXX XXXX XXXX, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 usc 1692 ( a ) as any natural person allegedly obligated to pay any debt. 
Take further notice that I am the true creditor Pursuant to 15 usc 1692 ( a ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I had one checking account and two saving accounts at Chase. When I first opened account at La XXXX brach office of XXXX. They gave me a free safe deposit box as a bonus. But I never used this deposit box. About XX/XX/XXXX, I opened an investment account from the online banking. I did not do any trading since I opened the investment account. In XXXX XXXX, I got an email from Chase, they told me my investment account was changed to self-directly account. I was so wired : what kind of my investment account before? I opened it online, and did not came to any branch off and talked with any investment consult. This email let me feel uncomfortable. 

At the end of XXXX XXXX, I came to a Chase Branch to close all account, including the checking account, the saving accounts and investment account. The banker told me, she closed the checking account and saving accounts, but I need call Chase to closed the investment account. I called Chase. The agent told me, I have another investment account ending in XXXX, they could not close it, it was belong to finance dept. I was weird again. I went to a branch office again to confirmed if I have this investment account. The banker told me she did not fine this account. 

During I closed all accounts, I also call La XXXX Chase branch office. Because I moved from La XXXX to XXXX California in XX/XX/XXXX, it has over XXXX miles from XXXX  XXXX. I hoped I can discussed how to close the safe deposit box by phone before. But unfortunately, I called the La XXXX XXXX XXXX over 10 times during their business time within twodays ( Friday and Saturday ), no one answered it. Only one time, they answered, I told her my status, she let me to call Chase XXXX  hotline to settled. But the agent from XXXX hotline said the safe deposit box was belong to the branch office, I must to call them. I do not know how I could closed the deposit box. 

Two weeks past, I checked my online banking, and found that the investment account wass still appeared. I sent sercurity email to inquire about this status. They said, this account I could not to trade now, but they should kept the investment account about 18 months for the tax. I reply them, there has not the tax record because I never did any trade, on the other hand, they could kept the recorder by themself, why they still let the investment account at my online bank. They only reply that maybe the investment account kept less than 18 months if I never did the trading. 

For above, I think Chase have some thing is unreasonable, the service of La XXXX Chase branch office is not professional. 

Thank you for your attention and time Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
An account was open with AMEX that was closed due to non payment. It ended up being sent to collections, where it was paid in full. AMEX found some sort of error in the amount collected which was under {$1.00}, and reported that balance as a new debt on my credit report. I disputed this charge on the credit report, at which point the wrote it off, bit never correct reporting to agencies, still showing the balance as paid off as of the date they fixed their error, not as of the date the balance had been paid in full. I have no other way to continue to review this with AMEX, I'm just referred back to the credit dispute process, which is refusing to process another dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019.

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX working with the XXXX XXXX XXXX XXXX in California , listed as a seller multiple counter offer document the following request : " Top Buyers to cross qualify with XXXX XXXX XXXX Mortgage before any offer is accepted per MLS '' XXXX XXXX NMLS # XXXX Ms XXXX XXXX and Mr XXXX both work for the same brokerage as evidenced on the staff page of their company 's website. 

XXXX XXXX XXXXXXXX This is an unethical and potentially illegal conflict of interest to abuse the privilege of a listing agent in manipulating buyers to seek the services of an internally related lender, particularly when qualified buyers would already be pre qualified with the lender of their choosing as this was a counter offer term. 

Additionally, this may represent housing discrimination in that buyers " must qualify '' with the lender of XXXX XXXX XXXX choosing in order to be accepted- a claim that far exceeds the ethical and legal limits of her professional capacity and violating the housing rights of buyers. 

This should result in sanctions against both licensees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Housing financial educator did nothing to help but I paid them {$1700.00} and navy Federal knows they did nothing but won't help me get my money back because they are a third party. OK why do they allow you to get a third party to help if they will not acknowledge that you got the third party and what they did or didn't do. I can't get my money back because they are saying they got were the ones that got me put on this program when navy fed tells me they did nothing they haven't even talked to them. They said I have to get an XXXX for them to talk. OK why should I have to go through so much just to get my money back when navy fed knows they didn't work with them and all the have to do is say that. Again they said getting them was OK I even had to sign paperwork saying that I was working with them and it was on for them to share my info and now they can't say they what happened that makes no since at all. The money came out oXXXX XXXX XXXX and they won't help because I waited to long over six months to ask for my money. OK these were monthly payments and it was over six months that I saw they were doing nothing and XXXX never told me I has six months to get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Up until two years ago my social security funds and a small pension payment from a former employer were available to me at XXXX  on the fourth Wednesday of every month. Now my funds are not available until XXXX XXXX 

Chase advised me they have up to 24 hours to make my money available to me. In the past, I paid my bills as soon as my social security funds posted to my account because some of my bills are due prior to me receiving my funds. 

I have checked with XXXX XXXX XXXX and XXXX XXXX  they make the social security funds available to customers as soon as they receive them. I feel Chase is collecting thousands of dollars in interest off of seniors by keeping the funds an additional three hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called and been hung up on several times when I start disclosing the issue with XXXX and XXXX in the fraud dept both on XX/XX/2020 and XX/XX/XXXX. I am stressed and stuffered from XXXX XXXX all this wont fixed Experian has been reported misleading representations on my report of fraudulent data : multiple fraudulent SSN XXX XX XXXX and XXX XX XXXX for the last 7 years and failed to fix the issuues of all including multiple unverifiable bankruptices, multiple variations of unknown addresses, variations of names and employers.. .My legal name is XXXX XXXX and XXXX only legal address XXXX XXXX XXXX XXXX CA XXXX XXXX

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 2021-09-15 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 — Their investigation did not fix an error on your report
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: USCB, Inc.
State: CA

Complaint narrative:
XXXX did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. XXXX continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions ; Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment. The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/2021 Pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g I requested Validation from Ameri Collect. Please see attached. 
According to the certified Tracking number XXXX XXXX XXXX XXXX XXXX Ameri Collect 's offices received my request on XX/XX/2021. I have yet to received validity within the allotted time frame of 30 days, therefore pursuant to 1692g- The debt collector must provide the consumer with certain basic information. If information is not provided, debt collector must cease and desist all collection activities and account must be removed from all 3 consumer reports and closed.

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