vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: KY

Complaint narrative:
Earlier this week, my mother reached out to a mortgage loan officer, XXXX XXXX ( XXXX # XXXX ) to obtain general information about a specific program that offers down payment assistance in Ohio. While my mother was only seeking some preliminary information, XXXX XXXX obtained from my mother my social security number and other personal information, which he then used to run a hard inquiry on my credit. Neither my mother nor I ever provided express permission to XXXX XXXX to run my credit. In fact, until today, when XXXX XXXX returned my call after I learned from XXXX that he had run a hard inquiry, I had never even spoken to XXXX XXXX myself. In other words, XXXX XXXX had absolutely no basis or other reason to believe he was authorized to run my personal credit report. 

As someone who has been working hard to build my credit and keep it free from any unnecessary blemishes, including hard inquiries, until I know I am in a good position to seek approval for a mortgage loan, learning from XXXX what XXXX XXXX did felt like a devastating setback. When I spoke to XXXX XXXX about what he did, he showed absolutely no remorse for his actions, and instead proceeded to tell me that he runs credit for lots of other people when their family members call him for information. This is simply unacceptable ; he should not be running anyones credit without that individuals explicit permission to do so. When I told him I intended to inform the relevant oversight agencies/authorities of his actions, XXXX XXXX ( very unprofessional ) response was a sarcastic, Oh, Im so scared! 

I wanted you to know because allowing someone like XXXX XXXX to be an approved lender could have significant ramifications. Not only does he lack the display of professionalism each lender should display, but more importantly, he has engaged in unlawful action by running someones credit without permission to do so. I now have to devote time to disputing this inquiry with all three credit bureaus/reporting agencies, something that noone should have to worry about. 

Thank you for your time and consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I made mortgage and escrow XXXX property tax XXXX payment to Select Portfolio Servicing since XXXX, XXXX. SPS never made the property tax payment on my behalf. In XX/XX/XXXX, they said that they would start investigation after I called them couple times. On XX/XX/XXXX, they sent the letter stating a refund check for the amount of {$11000.00} was mailed out on XX/XX/XXXX because they never made the payment to the county. Since then, I have made at least 5 phone calls asking the status of the check that I never received. Every time, they gave me a runaround. As of today, XX/XX/XXXX, I still didnt receive the check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Sapphire Credit card account with Chase Bank. I called chase bank on XX/XX/2020 ( one week before the due date of payment ) ; to pay about {$1000.00} of the balance ( about {$3000.00} XXXX, and to freeze the interest, as part of your Covid-19 assistance program, they confirmed this. However, in the next cycle, on XX/XX/XXXX, I found interest charges of {$53.00}. 
I called the customer services and filed a complaint to the executive office about my concern, and to refund me the interest. But they refused and claimed that the support is only to defer the payment of the minimum payment ( about {$80.00} XXXX without fees, but the interest still applied. I explained to them that I never asked for deferment of the payment, and on the other hand, I told the bank that I am paying {$1000.00}, which is 12 times the minimum payment ; and it was clear and affirmed by the customer services agent, that they will not charge me any interest. However, they did charging me {$53.00} on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
FDCPA VIOLATIONS - REFERRED BY FTC SN SERVICING XXXX XXXX XXXX IS CONTACT XXXX FDCPA violations since servicing loan that it did not originate and the loan was in default at the time servicing is received, hence SN Servicing is a debt collector. 

2 ) SN Servicing added in debt that was written off by prior owner. XXXX. 

May not use unfair or unconscionable means to collect or attempt to collect a debt. 
Collect any interest, fee, charge, or expense incidental to the principal obligation unless authorized by the original debt agreement or is otherwise permitted by law. Use any False, Deceptive or Misleading Representations to the court, and to their client, the investor, on history of the debt. 

3 ) Forced Place Insurance was imposed without notice. They sent notice to address they knew was incorrect. 

4 ) DENIED Covid Forbearance based on original of debt from 2008 default? And ignored our many covid related losses. 

5 ) ACTION - Threaten to take any action that is not legal or intended, constant threats of litigation if we applied for COVID 19 forbearance. 

6 ) ESCROW / PROPERTY TAXES - trail mod contract explicitly states the we pay them escrow for property taxes, which we do and did, and they apparently stopped paying property taxes last year, despite their constant legal threats to sell home, and their actions in court to sell it, which were deemed illegal and cancelled.

7 ) SN SERVICING TOLD US THEY DO NOT HAVE THE POOL SERVICING AGREEMENT FOR OUR DEBT, NOR DO THEY HAVE THE ORIGINAL DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
I currently have a bank account with Simple a subsidiary of BBVA USA. My partner and I are buying a house, and need to move funds into escrow, {$48000.00}. In speaking to Simple customers service I was told multiple times that if I submitted the request for a cashier 's check it would go out the same day or the following day ( a Saturday XXXX when I called in the morning to submit the request. 

Following my phone call, Simple messaged me several hours later saying my request would not be handled until the following Tuesday, in direct contradiction to previous statements and then refused to let me speak to a manager or lodge a formal complaint. In a follow up phone I repeatedly asked to speak to a manager and was told that they could only transfer me to another agent because their managers don't take calls. Further, when I inquired about being transferred directly to BBVA who operates the account I was told that wasn't possible and so there would be multiple delays.

Given Simple is wholly owned by BBVA, and in fact the representative admitted that in order to process my transaction they called BBVA but refused to provide actual numbers or contact information for a real account representative. As someone who has multiple hundreds of thousands of dollars invested with this bank I was shocked to learn I essentially have no way to actually talk to a financial representative and not a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I was sent by mail the PHH Mortgage Trial Period plan XXXX. I have made all XXXX required trial payments in the amount of {$380.00}. I received a property foreclosure sale letter from the foreclosure attorney stating my property will be sold XXXX. 
I don't think its right that my house is going to be sold and I have made my payments. 
Payments were sent by XXXX XXXX, I'm attaching the receipts. I feel I'm being discriminated against because I'm a XXXX elderly man. I think that regardless of what I do per the request of the mortgage company they are going to foreclose on my home. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: OR

Complaint narrative:
On Monday, XXXX XX/XX/2020, I applied for a US Bank Reserve Line of Credit. 
With the knowledge that my credit was reported with a XXXX balance, I hoped to get approved within a few days. However, the interactive voice system told me that I was denied credit, and a few days later, I got a letter explaining that the reason I was denied credit was because they were unable to verify my identity. 
I have spent a little over a year disputing with all three credit bureaus, as well as the previous creditors, to update my legal name on file.

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, my boss received a phone call from the chase 1800 number claiming that there had been fraudulent activity completed through his Chase XXXX through XXXX. They claimed that money was sent, unauthorized to me. They then had him un-enroll and re-enroll with XXXX through the phone and then instructed him to three way call me. During the three way call, they reported the same fraudulent activity on my XXXX XXXX through XXXX to my last recipient I sent money to which was my step mother, XXXX XXXX. They went through the same process, un-enroll and re-enroll me on XXXX through the phone and had me three way her. While on the phone with her, they confirmed an unauthorized payment of {$100.00} and a second payment of {$1100.00} from my account to hers, which she confirmed she saw it pending, they had her un-enroll and re-enroll. Once she completed those steps, the call dropped and the scammer had left the line. Within minutes both amounts of money was drained from my account. XXXX had called her bank and cancelled her card and reported the fraudulent activity. I had also called chase and reported the fraudulent activity and they opened the claim. It has now been XXXX weeks, the claim has been denied and Chase refuses to reopen the claim and assist me with recouping the money, they deemed it as a loss and have instructed me to forget about it and move on. All the money has left my account, the {$100.00} transaction had made it to XXXX 's account however the {$1100.00} had not made it and is not accounted for. I'm at a dead end, XXXX can not assist me and Chase won't assist me in figuring out where this money went and how to get it back. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Back in XX/XX/2019 I informed this agency and the legal department of the JP Morgan Chase bank regarding the criminal activity that I was victim of when the Chase bank received a wire transfer from my XXXX  XXXX  XXXX  and the information that I was provided to wire the funds was an account opened by a fraudester in the Chase Bank. 2 hours later after the XXXX  XXXX  XXXX  initiated the swift recall, the Chase bank only 72 hours advised the funds were safe in their account because there was a name discrepancy and fraud alert. 20 days later the chase bank allowed their customer to retrieved the funds and paid the farebeater and closed the account. The investigation conducted by the Police Department of XXXX confirmed the initial information given by the Chase Bank. The name beneficiary of the wire and the account holder of the Chase bank were completely different not just by one of two Characters, by a whole name and address. I wire the funds was the closing attorney XXXX XXXX XXXX, and the actual bank account was under the name XXXX XXXX resident of XXXX Ohio and with a XXXX number, clearely a non existing person, despite of the name discrepancy and address discrepancy the bank proceeded 20 days later to release the funds to the account holder and immediately when the account was XXXX the bank closed the account to leave no trace. This is a clear participation of the bank in this criminal activity. I had obtained copy of the report from the Criminal investigation department of the XXXX Police Department where the Bank failed to their initial offer to cooperate with the Law enforcement agencies, and only the real name of the account holder was provided but the second requirement of where the funds went 20 days after the bank refused to cooperate, clearly showing their participation in the criminal activity that I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MO

Complaint narrative:
XXXX XXXX XXXX HAS FRAUDULENT COLLECTION ACCOUNT PLACED WITHIN MY XXXX  CREDIT FILE XX/XX/2019 {$410.00} AND {$400.00}.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are six inquiries on my credit report I did not authorize the companies to run my credit report. I am a victim of identity theft and I different companies, in which i did not give them permission nor authorize them to run my credit report. At the time these credit reports were being run, i actually was on the phone with a Transunion rep disputing other items on my credit report ; so how can I be doing two different things in six different places at the same time? All these inquiries were done on the same day! That's very suspicious! I contacted Transunion this past Tuesday to notify them that this activity wasn't authorized by me and I want aall of these inquiries removed immediately ; and also asked how is it that I have a fraud alert and Transunion authorized mt credit to be run without me giving permission or even being present there? The companies I am disputing from the XXXX of XXXX are : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  and XXXX. When I got these alerts in my personal email that my credit was run on the XXXX, i't prompted me to look at all three credit bureau 's activity, and low and behold, it was on all three, plus one additional inquiry from XX/XX/2020 I didn't recognize, give permission or authorize called XXXX XXXX . I never did any business with these companies nor was i ever interested. On XX/XX/2020 I called all three bureaus to explain to them that I didn't give permission, not authorize anyone to run my credit on XXXX XXXX or XX/XX/2020. Both XXXX  and XXXX  acted prometly, submitted the request to have these inquiries removed ; they were removed within the next 24-48 hours from both XXXX  and XXXX. However, Transunion, when I spoke to their rep, he told me Transunion doesn't remove inquiries, even if it is identity theft, and that would have to contact all those companies and get a letter of deletion from them and give then Transunion authorization for them to take all those inquiries off of my credit report. This is unacceptable!!!! A consumer shouldn't have to go through all that turmoil especially when they have been victimized to clear something off of their credit. Mind you I have a fraud alert on my social security number, which states in bold print once you pull my credit report. I want Transunion to remove all six inquiries immediately from my report! This has caused my credit score to drop!

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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I incorrectly sent a payment in the amount of {$180.00} via cashapp to an inactive cashapp account. I resent the money to the right recipient account and then requested a refund via cashapp for the money sent to the inactive account but because the account is inactive there is no one on the other end to issue a refund. So I reached out to cashapp in hopes they could assist me, they had me send all the information only to turn around and tell me the following : Thank you for providing that information. Looking at your account, I can confirm these funds were successfully delivered to the recipients Cash App. I understand you have sent money to their other account, however Cash App is unable to cancel or refund completed payments. 

If the recipient is having trouble accessing that account, please have them contact us via their app or our Help Center. 

Feel free to pass this info along to the recipient and please let me know if you have any further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I use a service app that requires to use XXXX  for confirming credentials and linking accouts PNC will not allow app to verify info even when I the owner of the account is the one entering the credentials to grant access to my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I paid off all my debts with RMP services for a total settlement in the amount of {$1800.00}. I called several times after that to get confirmation as to when they report and nobody would give me an answer. I then reached someone that I told that I just wanted them gone from my credit report to which she responed, " I bet you do ''. I then asked when that would happen and she said probably by the end of the month. I sent an email to XXXX XXXX, Operations Manager, whom had responded to my XXXX  complaint asking for her help in the matter and asking her to listen to my recorded conversations with their representatives. I didn't get a response. I then filed a dispute with XXXX  and XXXX. RMP Services deleted 4 of the 5 accounts I paid from XXXX. The one they left was the one with the highest balance and not only did they not delete it, they reported it on XX/XX/XXXX as unpaid! They falsely reported the account to XXXX and now I am considering legal ramifications. This needs to be removed immediately on XXXX  and all 5 accounts removed immediately from XXXX. Falsely reporting to the Credit Reporting Agencies is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Auto Finance illegally repossessed a vehicle that I had financed through them. They are and were in violation of Fair Debt Collection Act, Fair Credit Reporting Act, and Antitrust Laws. The bank has continued to illegally monitor my accounts beyond the scope of what is necessary to conduct day-to-day operation and violate my privacy rights by disclosing sensitive financial information to their affiliates. 
With respect to the vehicle that was repossessed, Capital One repossessed the vehicle in state outside of venue for the contract. They repeatedly harassed me through mail and phone calls despite being asked not to ( also in a state outside of venue ). They violated my right to privacy by tracking and monitoring my physical location illegally They breached my contractual right to third party arbitration although I requested this. They are in violation of my right to due process by continuing to threaten legal action and taking none. They are also in violation of the Fair Credit Reporting Act by continuing to report negatively to the credit bureaus on the account past the reasonable scope of law. 
In addition to this Capital One retaliated by reporting a missed payment on a Credit Card account that I had maintained as current with them for over twelve years although there was no missed payment on the account. This is an accounting tort of law where they adjusted a bank ledger to reflect events that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
called capital one explaining i finally have some income coming in while in pandemic and had been unable to work. tried to work out a lower minimum payment and to set up a plan to stop using card until it was paid off, and they were not willing to accept anything other than what they offered, which was unrealistic and un-affordable at this time.

Company response to consumer: Closed with monetary relief