vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been banking with Wells Fargo for two years.

Seems like money is being transferred and put on another shelf. Ive tried to look into this with bankers many times only to be told Im causing a scene when Im asking about it and threatened to have me removed from the building.

Ive noticed several things including purchases that come out same day and then come out a few days later as well. The actual day of purchase is then removed and covered up.

I have record of them charging me over {$1000.00} for purchasing a sheet of checks.

I have purchases for apps I dont use.

Many times Ill notice previous places Ive gone to and purchases seem to revolve. 

I closed my other account recently due to insurance payments getting doubled and taken out on a reaccuring state. Its draining my account. 

I just caught them and disputed the charge successfully. But was not credited the late fee assessed. 

On my last web account the dispute button was disabled so I had to walk into the store. The bankers dont fix the errors. 
My phones being managed. While making this report I had to change my password just to re log in and make another dispute. 

When I consider the big picture it doesnt seem like the totals are accurate. Money coming in and money going out are offset. I received a loan and part of the money was transferred from my business account. Its hard to keep track of the details this way. 

Please see attached some specific details and evidence ...

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS purchased old stale XXXX account, reset the clock to reflect an illegal last date of activity of the original creditor. This account should have been removed by now : STALE. Jefferson purchased the account and changed the last date of activity of original creditor. They also fail to product a legal chain of custody of account ownership from XXXX custodian of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
A credit thief went to a car dealer in XXXX, Florida, impersonated me and took out a {$46000.00} XXXX XXXX under my name, financed it with JPMorgan|Chase Bank ( JPMCB Auto ) ( account # XXXX ) and is not making the monthly payments on it. I complained to XXXX  that just went through the motions and reported back that their records were correct. 
I have not set a foot in Florida for the last 10 years. I have never visited XXXX. I have no residence in Florida. Never had. I am a XXXX years old name partner in a law firm in XXXX XXXX, XXXX XXXX, and have not traveled away from the Island since participating in the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, GA, held probably 3-4 years ago. With the COVID pandemic I have not ventured out of my residence and office in XXXX XXXX in the last year. 
Please take corrective action with the XXXX  company for dereliction of their duties and further investigate the car dealers, JPMC Auto -to which I provided with all available information through XXXX- and the thief that perpetrated the fraud on my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
For about a month I have been trying to get my mortgage company Flagstar Bank to release monies that they have from my insurance company XXXX to pay bills I have encored to restore my property due to the Glass Fire that happened on XX/XX/2020, at XXXX XXXX. {$260000.00} is the amount they have. I have given them XXXX in bills and canceled checks I have paid. They say first draw is XXXX. I requested an inspection one week ago and no one has called, and Ive let them no twice about this. I have an additional XXXX in bills I have submitted. One of which is {$35000.00} from my contractor XXXX XXXX. He has signed all the forms and a conditional waver of lean for this amount. At XXXX XXXX  on XX/XX/XXXX XXXX from Flagstar Bank called. I have the recording of this as she left a message. She stated that they need another waver of lean for the estimate of damage in the amount of {$390000.00}. That would mean my contractor is signing his rights away and he is not willing to do that. I do not know the law, but I believe that is an illegal practice. The only money they will get is the. {$260000.00} and we are rebuilding another way as it was our study and outbuildings and landscaping that was destroyed. We are building a pool house and will be putting our money into this. I called Flagstar Bank today and recorded the conversation with their permission. They were not able to get me a supervisor. Same as always. I believe 5 times I have tried via the phone and several times via e-mail. The representative said that they just need the lean papers signed. I asked for them to send them over via e-mail and it never happened. I have asked and demanded several times for them to release the first draw of XXXX and pay my contractor the {$35000.00}. They change the rules all the time. Please help. 
Thank you, 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 explanation
Consumer complaint received 2021-02-17 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: Bridgecrest Acceptance Corporation
State: CA

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

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 2021-02-17 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: ERC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper has been paying our neighbors taxes for 2 years now and in turn our mortgage payment has gone up over {$800.00} due to insufficient funds from their error. We have called multiple times over the past few months, and was assured this issue would be taken care of. They acknowledged their error and here we are in 2021 with yet again another mortgage payment increase due to them paying our neighbors taxes again. This company has extremely poor customer service. We just tried calling again and was hung up on by the woman answering the phone after waiting on the line for 20+ minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: PR

Complaint narrative:
I initiated a transfer from XXXX XXXX  in XXXX XXXX to Discover on XX/XX/XXXX of XXXX . Due to an error on Discover 's part, all of my funds were attempted to be transfered. Discover retries the transfer, but since XXXX XXXX had already initiated the transfer, the account appeared as though it had a negative balance, causing the transfer attemp to fail. On XXXX XXXX, discover initiates a return, however they use an incorrect routing number for this return. The routing number used was for XXXX XXXX in the XXXX XXXX. Can I please get help with this? I need my funds to be transferred to the correct account at the correct bank. My account number for Discover ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
This writer has made multiple attempts to try to make a settlement to pay a debt. The collector has used abusive language and has refused to send me a letter in the mail with our agreements saying she will not spend any money on me. Ive even offered to send a stamp in the mail so that I can safely send the money order after getting the agreement in writing, but she continues to decline, only offering me to pay over the phone with an extra processing fee and requiring me to provide my credit card information. Ive gotten yelled at and hung up on. This is impacting my credit negatively despite my attempts on trying to be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Aargon Agency, Inc.
State: CA

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

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 2021-02-17 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: TRANSWORLD SYSTEMS INC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I've been in default with my loan servicing company, SN Servicing Corporation. Although a moratorium on foreclosures was effective in California as of XX/XX/2020, the loan servicer and foreclosure trustee, XXXX XXXX XXXX moved forward with a non-judicial foreclosure at XXXX in XX/XX/2020. The sale reverted back to the loan servicer and owner of the note, XXXX XXXX XXXXXXXX XXXX, as Trustee of the XXXX XXXX XXXX XXXX. 

SN Servicing breached the California governors executive orders of banning foreclosures as a foreclosure took place at XXXX in the morning. Now, the attorney representing the investor has filed for eviction against me. There is a moratorium prohibiting evictions in California until 90 days after the Governor 's general order has been lifted. However, they are breaching any and all agreements. 

I would like action from the CFPB to investigate the foreclosure sale and investigate the eviction practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On the XXXX on XXXX I called American Express to talk to someone about my mobile banking account and the young lady stated to me that my XXXX XXXX American Express Serve card was suspended and locked and I was trying to get information as to why my account was suspended and locked but she never gave me no information at as to why they locked and suspended my account and at this point I just filed my income taxes and when I contacted XXXX XXXX with is the taxes service I filed my taxes with and they stated to me that I have now wait for my income taxes refund in mail instead of me receiving my taxes refund on my American Express Serve credit card and now they are telling that I can't speak with someone over the phone instead they stated to me that I have to right a letter and mail the letter but they still didn't unlock my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND FUNDING purchased an old credit card account from XXXX XXXX. the last factual date of activity and payment is not reflected in the report. Midland has entered their own arbitrary date which incorrectly reflects the 7 year statute of limitations. 

Midland has also failed to provide proof of account ownership from XXXX XXXX custodian of records. They only offer copies of the last few statements with an existing balance, a balance not indicated as to when the purchase was made or last date of payment activity - only " existing balance '', which I refuse to accept as proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My complaint concerns the PMI on a mortgage loan with Santander Bank. 

The Bank keeps charging me for PMI even though my outstanding balance, as of this moment, has dropped below 67 % of the lesser of the original purchase or appraised values. I have never missed a payment. 

I contacted the bank in XX/XX/2020 when the outstanding balance was 76.04 %. They replied that " To qualify for PMI cancellation at this time, you have to ... order a new valuation to verify that your property has maintained its original value. '' I did not order a new valuation because I knew that they should automatically cancel the PMI when the balance reaches 78 %. It says so in the 1098 Form which Santander themselves send every XXXX for my tax records. 
" If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' It's been almost a year since my outstanding balance reached 78 %. I still pay PMI every single month. 

My request to Santander Bank is to cancel the PMI on my loan immediately and to reimburse me for the months when I was changed improperly.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a mail XX/XX/XXXX. It does not have a return address. It state the former XXXX with an account number XXXX that I owe {$27.00}. I called XXXX and they are still on the same name and my account is paid in full as of XX/XX/XXXX. So this is a scam. 


the physical address : Tansworld System Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Return Mail Only : XXXX XXXX XXXX XXXXt XXXX XXXX, DE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: IL

Complaint narrative:
In XXXX I notice a charge on my Slate Chase credit card I didn't make or charge to XXXX and 4 telephones I didn't purchase. Than I received mail from XXXX about payment for service and usage that was not my name received with my address. I called Chase fraud department and talked to someone to resolve the problem with thief of my card and the wrong name on the service. they said they would look into it and get back with me soon. I notice they sent a message and a letter to me and said the party who purchased the phones had all my same info and that it was factual. This was after They advised me to destroy my credit card and they issued me a new one in the mail. They didn't remove the balance from the previous card and carried it to new card and said I need to pay it. And started receiving mail for the 4 phones and there service and stated billing me in someone else name but my address. I called XXXX to resolve that issue and they said they would resolve it but haven't heard from them also and still receive bills and chase card is billing late charges on my account in someone else name and wont resolve or research any legal facts and just gave up on me and said I owe. end of statement..They both said they will report my name and credit to all the credit companies because they are all to lazy to work with legal facts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On XX/XX/2020, someone used my identity to open an account with Acima Credit. I never opened this account or may knowledge of this account. I have a identity theft alert on my XXXX credit report, so I don't how this could have been opened without my knowledge. I contacted the company and they refuse to remove this from my credit report. I have sent them a copy of the police report and they still refuse to acknowledge this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reported a fraudulent charge on my credit reports from TransUnion, XXXX, and XXXX. These companies have refused to look at the documentation that shows this was a fraudulent charge by a XXXX XXXX employee. That charge continues to show on my credit report reducing my credit score. What is going on here that people will not acknowledge the evidence?

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 2021-02-17 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: IN

Complaint narrative:
I've sent a request to delete the account on XX/XX/2021 to XXXX and transunion and then a demand to comply after 30 days on XX/XX/2021, there has been no action on the investigation

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 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Venmo has been illegally holding {$800.00} of my money first they froze my account after I received the money and told me that they need to identify who I was in order to release the money on the account I provide them with my driver 's license. Then they stated that oh well in order to unfreeze your account the card that you have attached send us the card statement to the credit card or debit card that you have on venmo. My bank does not have card statement. My bank does have account statement I provided them with that. After that they still refuse! I need my money.

Company response to consumer: Closed with explanation