vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Loan Number XXXX This complaint is involving WSFS Bank XXXX XXXX XXXX, XXXX, DE XXXX a second loan that was closed in XX/XX/XXXX for {$65000.00} with no prepayment penalty. Per my last statement dated XX/XX/XXXX my principal balance is {$620000.00}. Due to the high interest rate of the predatory loan at a XXXX. I looked at the option to refinance to a lower rate. I requested a payoff statement to refinance to a much lower rate. At the height of the covid19 pandemic I had a mortgage deferment of 6 months. My monthly payment for the loan is a total of {$490.00}. The breakdown is {$340.00} interest and {$140.00} principal. I resumed monthly payments earlier this year. The account is current on my behalf. The only payments that I should pay is 6 months of regular payments. WSFS is charging me a lot of extra interest fees, satisfaction fees, etc. When this loan has no prepayment penalty. This is predatory lending at its worse that continue to devastate our communities.

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 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I paid off an American Express XXXX card in XXXX of XXXX. They sent a replacement card that summer but I did not activate it. Since then, they have been charging me the annual fee in XXXX, XXXX and XXXX. 

When I called in, they cancelled the card but only gave me the XXXX money back. I know it is small, but I did not activate the XXXX card. In the past, I have tried to investigate this but the website does not allow me to log in and does not recognize any of my emails that might have been tied to the card. They still billed me. I know that I should have called in sooner, but these fees are so automatic and hidden in the course of everyday life. And my family was hit hard by covid. 

I find it frustrating that AmEx fine print says I have to call in to cancel. Not activating a card seems like cancelling to me. Also, the only card sent to me was in XXXX. None in XXXX or XXXX. That would have alerted me if they had sent out cards. 

Right now, I paid {$100.00} in XXXX and {$99.00} in XXXX. They have refunded me XXXX payment. 

Thank you for listening. Where would we be without you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover is reporting an account on my file that I do not recognize. I recently took a look at my credit and noticed there is an old account there that it says I'm an authorized user on. I do not recall ever being added as an authorized user and this account was not put by me.You have nothing bearing my signature. This needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft 09 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
MyXXXX ADA were sold into USD without my permission on XX/XX/2021 in my Binance.us account, and my account was disabled since then. I can't trade, withdraw and deposit since then. I was not able to sell my cryptos before the market crashed and it caused me huge losses!! It has been one month since I submitted twoinquiries on XXXX and I still haven't received any responses from Binance.US.My support ticket numbers were # XXXX and # XXXX. This is unacceptable!! 
Back on XX/XX/XXXX, I made a direct deposit of {$5000.00} from my XXXX XXXX  checking account into myBinance.USaccount. Immediately after I made the submission, I received a deposit failure alert with a message saying my bank account might don't have enough funds. This was odd to me because I had much more than {$5000.00} in my XXXX XXXX  account at that time. I had also performed 7 prior deposits and did not experience any issues then. After receiving the alert, I followed the instructions to deposit my cryptosin an attempt to solve the problem, but it was unsuccessful. However, XXXX XXXX  confirmed that {$5000.00} had been successfully transferred from the bank toXXXX XX/XX/XXXX. On XX/XX/XXXX I submitted inquiry and asked toinvestigate thisissue. Ticket number is # XXXX. No response. On XX/XX/XXXX, I requested to investigate the {$5000.00} again. I didn't hear back fromBinance.us. On XXXX I sent another inquiry to Binance.US and still no response. On XXXX I disputed in XXXX XXXX  andfinallygot my {$5000.00} back. But On XX/XX/XXXX I received an email fromBinance.US regarding I had a returned deposit and I should deposit {$5000.00} within 7 days to bring my account into good standing. This is ridiculous.The Binance.UShad totally messed up my account. The customer service is horrible. Please help me and investigate this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc.
State: OR

Complaint narrative:
I received a text message from Windham Pros with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of XXXX 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of XXXX. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.

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 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
The house belonged to my parents, both of who have passed away. From the start, I have tried to work first with Ditech, who had the mortgage at the time, and later with Shellpoint, who currently has the mortgage. Ditech was never very helpful. From the start, XX/XX/XXXX, Shellpoint refused to provide any help or requested information or forms I needed for Probate Court. { I have attached a letter I send to Probate Judge per this. } Shellpoint did not contact me until XX/XX/XXXX and then only after I had made several attempts to contact them. I notified both Ditech and Shellpoint that the estate has run out of money, what little there was. XXXX XXXX people dont leave a lot. I notified both that we would no longer be able to continue payments for the house and have been unable to find a buyer for the house. I notified them that the house would need to go into foreclosure. 

At this time, I felt that Shellpoint was starting to work with us. They provided me with a contact person who I was told would handle what they called a short sale. I even referred someone who contacted my sister a few weeks ago about buying the house. 

Then we were served with a notice that an action has been filed against us in XXXX County ( S.C. ) Court of Common Pleas. I feel that I have done all that I can. I tried to work with both Ditech and Shellpoint in good faith. I also feel that neither Ditech nor Shellpoint has worked with me in good faith. 
I have attached other documents that support my views and show a history of my interactions with both. 

I have other forms that I can mail to you. I do not have copies on my computer that can be uploaded. One is a letter dated XX/XX/XXXX from the Judge of Probate in XXXX, S.C. ( XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX, Deputy Clerk ) stating the time for filing claims on the estate is up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Insight One Solutions, LLC
State: CA

Complaint narrative:
I purchased my home back in XXXX during that time my 2nd mortgage has exchanged hands. The last known mortgage company was back in XXXX by XXXX, when I filed bankruptcy and unknown to me it seems this was no longer something you can file bankruptcy on. I reached out to my 1st mortgage company to refinance back on XXXX and that is when I found out there was a lien on the second mortgage which was owned by Sortis. Since the bankruptcy I never received any communication from XXXX or Sortis regarding the sale of the loan including any information regarding my debt obligation. In XXXX I contact Clear Spring Loan Servicing that was handling the loan for Sortis to see if we can settle or come to some sort of agreement and Clear Spring indicated the amount I was offering that the investor would not take my offer. At no point in time did they discuss options with me and phone communication had ceased. In XX/XX/XXXX, I received a notice finally from Sortis that the loan had been sold to XXXX XXXX XXXX. Comes to find out during these last XXXX years the loan has accumulated interest and late fees that totaled up to {$80000.00} on top of the loan itself. Now XXXX XXXX XXXX is claiming the principal obligation and the interest and late fees. In my opinion XXXX and Sortis have violated my consumer rights, I was never given any opportunity to discuss options back in XXXX to now and now forced to pay {$80000.00} in interest and late fees. I find this very unfair to me as a consumer and according to XXXX XXXX XXXX that was unfortunately out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i dispute a account online and i upload few documents and they keep saying it no good or i get a response saying they never got my documents and i sent it 10 times and it been over a week and days and i also mailed it and they never received it and they playing head games with me I'm just trying to dispute a XXXX XXXX XXXX XXXX XXXX account and get it removed and they refused to honor my documents and keep giving me the run-arounds ...

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 2021-06-25 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: FIRST NATIONAL BANK OF OMAHA
State: OR

Complaint narrative:
They sent a letter to me accusing me of fraud because the very good scam on XXXX involved a phone call. I called the company several times and sent this letter. 
This note is regarding payment on this invoice. The {$79.00} charged on XXXX and the {$79.00} charged on XXXX are lagitiment charges that I made and will be paid. The charge on XXXX of {$950.00} was not a charge I made. It was a scam to get my credit card number and I called within minutes of realizing that it was a scam. A woman answered and said the charge would show up on the next months billing but it would be taken care of. It is still on the statement and I am being charged interest and accused of fraud. I am not paying this charge as I had nothing to do with this scam. 
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 monetary relief
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I made several attempts to contact this company by calling them at XXXX ( XXXX ) XXXX XXXX regarding a XXXX XXXX account that has been paid and closed by me. This account was closed because I switched providers. before I was able to switch providers I had to pay my balance on my phone and my balance in order for them to unlock my phone to receive a new sims card. When I call I am always transferred to an agents voicemail leaving my contact information i.e. ( phone number, and email address ), but have been unsuccessful in receiving a response or communicating with anyone. XXXX is telling me that they have no information because there is no account. So, I'm at a lost and don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX  XXXX  and XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: DYNAMIC RECOVERY SERVICES, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX has not updated the credit bureaus that my payment has been made for a collection account that has been reported to them and received by them. I spoke to XXXX XXXX and they have confirmed receipt, however, they refuse to update my credit report in a timely manner. Dynamic Recovery is the collection company I paid in the amount of {$130.00} as a settled account. I paid the payment on XX/XX/2021.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: OR

Complaint narrative:
I received a text message from XXXXXXXX XXXX  with a link to download a statement from them. When I clicked on the statement it said I owed another debt collection agency {$530.00}. I called the company informing them that I had already paid the debt back in XXXX of 2019. 

I was previously laid off and had amassed some credit card debt and paid it all off with some inheritance in XXXX of 2019. I expressely remember paying this debt because I had to do it on my lunch break because they close at XXXX pst. 

The debt collector threatened me and said the burden of proof was on me to verify that I paid. They've refused to contact the former debt holder and are now harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My account is set up on their auto-pay system. I had a payment that was returned. I have already set up for the next payment to process and called and spoke with someone at Wells Fargo letting them know that I am aware of the return and I would be making the payment on my next due date. I received a bill in the mail that doesn't show a return payment ; just a fee for the returned payment. I have received phone calls from Wells Fargo four times a day since XX/XX/2021 for my missed payment. I have asked them to stop calling me and they will not stop.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: SC

Complaint narrative:
The Law Office of Maury Cobb has been repeatedly calling my phone number throughout the day beginning first thing in the morning everyday for the passed 2 weeks. This complaint comes to you pursuant to the Telephone Consumer Protection Act and the Fair Credit Reporting Act. This Law Firm is repeatedly calling my home, failing to say who they are and what they want. I am unaware as to what they could possibly want with me, but I want the harassment. This aggressive pressure needs to stop. 

I am afraid that this collection agency might attempt to place derogatory information on my credit reports. As a XXXX ... and due to the impact of Covid 19 I do not need any extra added unnecessary pressure to my life while trying to serve others. Which is why I pray that you can offer some relief with this matter. 

I have not received any written notices from this law firm regarding any alleged debt that they might be attempting to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request.

In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX XXXXXXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.

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 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX XXXX These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit history report. That Report contained incorrect information reported by Transunion I contacted Transunion to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that Transunion claims this information to be accurately reported. This is not true, and here as follows is the correct information : 1. Account doesn't belong to me. Fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove this account from my report.

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