vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 we received an email from the bank informing me that an " unusual '' transaction was cancelled and immediately received another email notifying me that I would not be able to use the 3 accounts and that they would be closed soon. 

A few hours later that same day, I called the bank to find out the status of the accounts and was informed that they would soon be closed and that if I had funds, the checks would be mailed to the address on record. Between my accounts at that time I had a total of XXXX USD. 

Today, XX/XX/2021, I called the bank again and they told me that the account was not closed, but restricted and for that reason they could not send me the funds, which I find disrespectful as they are playing with other people 's money since those funds were intended to pay the payroll of my employees. 

I understand that they want to close my account, but they can't hold the money until they want to. I need them to send me the checks to the address on record as I was notified the first time. They can't hold my money without giving me a valid reason. It is unprofessional for them to inform you of something and then do something completely different without notifying you, as I had to call to be told the new status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
Received notification from XXXX XXXX XXXX that we had an unpaid interim tax bill. Stated they sent it out in XX/XX/XXXX ( we never received this letter, and didnt get follow up until XX/XX/XXXX ). Called our Mortgage company CMC funding to take care of the owed taxes with escrow. Sent them the information to do so. Received another letter in XX/XX/XXXX stating they ( XXXX XXXX XXXX ) did not receive our payment for XXXX XXXX XXXX XXXX. Total now with fees was {$4800.00}. Sent this new total to CMC funding on XX/XX/XXXX. Case manager called and stated that they were working on this to get it paid. XX/XX/XXXX letter {$4900.00}. XX/XX/XXXX rolls around still NOT paid. Contacted them again. Spoke to agent who told me that they had contacted XXXX county and we were all paid up. They were not to contact the county, they were to contact XXXX XXXX XXXX Fast forward to XX/XX/XXXX. Still not paid, and received the 30 day notice that there will be a lien on the house unless I now pay {$5400.00}. Called XX/XX/XXXX and no one has any idea what is going on and why it has not been paid.

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 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
ERC debt collection attempting to collect on a debt that was not mine. 

This same claim from a XXXX account was sent to another collection agency 2 years ago and through legal means was removed from my credit report. 

Now ERC is reporting that same debt on my credit report and calling to collect. They are rude and abusive and completely incorrect. I also explained that the statute of limitations has past for Arizona even if the debt were mine but they do not care. I also suggested that the federal statute for cell phone debt ( My assumption because they say XXXX ) is 2 years but they are undeterred and are still reporting this to my XXXX report XXXX 

They are combative and rude and have stated that they would stop calling and reporting to XXXX but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir, I am a regular mortgage loan client and have been using your website to make my monthly mortgage payments and I have always been on time. But I am very upset and disappointed in your service and handling this month 's payment. 

1 ) I scheduled online payment on XX/XX/21 to draft my bank for XX/XX/21 for {$1900.00} with confirmation XXXX XXXX ) I scheduled an additional principal payment on XX/XX/21 to draft my bank on XX/XX/21 for {$230.00} with confirmation XXXX I noted from my bank that only the 2nd payment of {$230.00} was taken. I called BBT this morning and your representative told me the {$1900.00} was not drafted as you can only draft one payment per day. That is ridiculous! You drafted my extra principal payment but not the regular monthly payment!! I was told my regular payment was cancelled and I have to make another payment. How frustrating is that? Your representative said he would take my complaint. 

3 ) After hanging up, I went into your online payment again to make a payment of {$1900.00} but now there is a late fee added. So I have to pay an extra {$98.00} late fee. My payment confirmation # XXXX in the amount of {$2000.00} was made. 

All this is due to a glitch in your website payment system. Your customer should not have to go through this trouble. I request that you reimburse me {$98.00} for the late fee as it was not my responsibility. I set up payment in XXXX for a XX/XX/XXXX bank draft. It was your ineffective banking system that caused the problem. 

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 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a text from Chase showing -- -- -- -- - Chase Fraud : Did you attempt a {$1700.00} withdrawal on XX/XX/XXXX with card XXXX? 
replay yes or no. Msg & data rates may apply. 
-- -- -- -- - Then I replied no, Then chase sent a text they will close my account, give them a call. 

So I called chase to report, they are saying because it is pending transaction I have to wait until pending is gone, 2 days later they accepted my claim. 

Today XX/XX/XXXX they refused to credit my money {$1700.00} because my pin number and debit card were used. So I told them I never received card. 
Still their answer is same. 

Then I asked what should I do? file small claim against chase? go to police office? 
They told me I can go to police office to file a claim. 

I will go to police office after my work. 

Before I go to police office, I am asking your help about this situation. 

Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 there was a fraudulent transaction on my Paypal account for a ticket purchase. I immediately reported it to Paypal and I received an email confirmation from them that my report had been received, that no payments would be made to the seller in said transaction and they also sent a transaction cancellation confirmation. Then PayPal attempted to fraudulently ( without my authorization ) move funds from my bank account to my PayPal account on XX/XX/2021 and when my bank denied it, PayPal then attempted ( again without my authorization ) to fraudulently charge my debit card on XXXX XXXX. 

After their fail attempt to move funds they put my Paypal balance account on the negative for the amount of the fraudulent transaction reported, {$1100.00} and started deying my cases without ever providing any evidence of the transaction not being unauthorized. 

After several weeks, Paypal finally accepted my case and on XX/XX/202 through their message center they wrote they were accepting the transaction as unauthorized and were going to fully refund my account. 

We are now on XX/XX/2021 and my account is still negative as it shows I owe the amount of said unauthorized transaction. 

I have made contact again through their message system and they continue to not act on this claim and on their promise to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been calling for months trying to get my stimulus checks released to me! I have faxed numerous documents to the fraud department and they keep adding additional paperwork and then when I call too see if they receive it they are hanging up on me. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. Regardless of the multiple written requests, the unknown inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MDE Home Loans, LLC
State: PA

Complaint narrative:
Hello, we were planned to close our home on XX/XX/2021 and we had provided all the documentation to the MDE Home Loans , LLC. We also received the conditional approval from the MDE Home Loans with an approved rate of 2.625 %. The Underwriter XXXX XXXX had approved teh underwriting on XX/XX/2021. However, one week before the closing, the President of MDE Home Loans, XXXX XXXX XXXX called me to say that they can not close my loan with the rate of 2.625 %, as they had somehow not " locked in '' and drastically increased the rates to 3.25 % with buying one point for a sum amount. I mentioned that I had requested the loan processor, XXXX XXXX and the Senior Loan Analyst, XXXX XXXX to lock the rates but they never lock them as per my request. 

There has been many instances of gross negligence from the whole team at MDE Home Loans, and I have many instances and emails where the President of MDE had coerced me into signing documents by threatening to not move forward with the loan if I do not sign those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unity Asset Management
State: CA

Complaint narrative:
The last three days, from XX/XX/21, I've received calls and voicemails from : XXXX XXXX XXXX, XXXX on dial-back from XXXX XXXX # XXXX for a XXXX XXXX XXXX for privacy. 

I called back and got 112 's vmail so left her a msg, " I am not this guy, I don't know who he is or where he is. This is my number and you have it wrong. Please stop calling. 

I called you back as a courtesy to help you and XXXX XXXX XXXX mostly, to avoid delaying his " matter. '' So, next day five calls so I called and XXXX had " just left. '' I'm the manager. Tell XXXX to stop calling here. 

Next day now five calls. Forget you. I'm filing a complaint with various agencies that this is unacceptable namely : FTC, Consumer Financial Protection Bureau at XXXX, CA XXXX Attorney General, XXXX,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CA

Complaint narrative:
On XX/XX/2020 I called into Equifax to acquire documents that Equifax should have in order to be able to furnish the 30+ accounts that are on my consumer report. Pursuant to 15 USC 1681 ( b ), I never sent in writing to any credit bureau that I wanted these accounts on my consumer report. These accounts total {$94000.00} of unvalidated debt. I was hung up on several times and treated very rudely by Equifax supervisors named XXXX, XXXX, and XXXX. They also were not able to produce documents they should have from the companies listed on these accounts to prove the debt is validated. They also could not produce any letters I sent in writing authorizing these accounts to be furnished on my consumer report. The furnishing of these false reports are ruining my reputation and also preventing me from providing for my personal, family and household needs. I have attached a phone call with the Equifax agent admitting they have none of these files. I also understand that the other credit bureaus ( XXXX, XXXX ) are reporting the same info and I did not gave them permission nor do they have any documents to validate debts listed on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a problem between XXXX and Chase Bank, one of them is stealing money, I DON'T KNOW WHICH IS RIGHT BECAUSE THEY BLAME EACH OTHER. On XX/XX/XXXX I made an online purchase of {$500.00} in XXXX XXXX through XXXX with my Chase Bank credit card ending in XXXX. That purchase number XXXX I never went to pick it up and then as I saw that XXXX XXXX had not me I returned the money then I asked XXXX AND CHASE BANK a dispute AT THE SAME TIME so that they would refund my money of {$500.00}. Then Chase Bank sent me the money back and XXXX as well ( they both gave me back {$500.00} ), when CHASE BANK saw that I had received twice the refund money for my disputes for the same transaction, CHASE THEN DECIDED to then charge me again {$500.00} ( you can see this with the word REBILL of {$500.00} on the CHASE BANK statement of the card ending in XXXX ATTACHMENT TO ALL DOCUMENTS AND PROOF ). AND THERE THE ENTIRE PROBLEM BEGAN!!, XXXX sent {$500.00} twice to the CHASE bank ( that is, to my credit card account ), and now XXXX is charging ME the double money they paid to my account, BUT THE BIG PROBLEM ES : I DON'T HAVE THAT DOUBLE PAYMENT!!! WHY??? BECAUSE THE CHASE BANK TOOK IT OFF IN A REBILL IN MY CREDIT CARD CHARGING ME AGAIN {$50000.00}, AND YOU CAN SEE IT AT THE ATTACHED LETTER IT SAYS THAT CHASE BANK CLOSED THE CASE AND THE DUPLICATE PAYMENT THAT THEY MADE TO ME, THEY TAKEN IT FROM ME, AND SENT IT TO XXXX???? THEY SAID ME THAT THEY SENT IT TO XXXX???? BUT XXXX is saying that THEY DON'T HAVE THE MONEY THAT CHASE BANK SUPPOSEDLY SENT THEM RETURN THE {$500.00} REBILLED TO ME. SO XXXX IS NOW CHARGING ME {$500.00} which they said they are going to send to COLLECTION because they said that CHASE BANK HAVE NOT SENT ANY MONEY OR LETTER TO THEM CLOSING THE CASE, AND CHASE BANK TOLD ME : THEY SENT THE MONEY AND THEY SENT THEM A LETTER CLOSING THE CASE, THEN WHO IS TELLING ME A LIE???? WHO DOES HAVE THE MONEY AND WHO DOESN'T???? BECAUSE THE CHASE TOOK THE MONEY TO SEND IT TO XXXX AND NOW XXXX IS CHARGING ME THE MONEY. 
SO THIS SITUATION IS PRETTY UNCONFORTABLE BECAUSE I DONT HAVE ACCESS FOR THE SYSTEM OF THIS TWO BANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Received notification from Equifax that my dispute had been resolved, and that the disputed information was accurate. Therefore, I contacted the collection agency but they were unable to locate any file on me or any indication that I had ever had an account with them. I also called the original creditor, my account with them is in good standing, and always has been. They too were unable to find any evidence that I had ever been past due with them. Lastly I called Equifax. I was placed on hold by their computer and eventually another computer came on the line and asked me to rate the conversation. I never had a conversation with them as no person ever picked up the line. 

I would like to know how Equifax decided that the past due account was mine given that neither the collection agency nor the original creditor was able to locate a past due account of mine, or that I had ever had a past due account with them. My account with the original creditor is, and always has been in good standing since opening. Further, the collection agency had no record of me at all. I have never received any communications from either company about a past due bill. 

I can only conclude that Equifax did not do their job and has no information linking me to the collection account in question. Their statement to me that the disputed information is accurate is fraudulent. I therefore request that the collection account reported by Equifax be permanently removed from my account and I would like an apology from Equifax for reducing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX, and just to let you know that I am sending a complaint to your good office for myself and there is no third person/company related to this request. I have a loan with KOHLS/CAPONE with account # XXXX, which was opened last 2017. I have not made any late payments with this account and you will be able to check it in my credit report. The 30-days late payment was an error on the Creditor 's end. I have made contact with both the 3 Credit Bureaus and the Creditor but I have not heard or received anything from both of them. Based on Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information, they are either to provide any legal documents to validate their investigation and remarks or correct the status of this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
XXXX/XXXX  MC with a balance of {$2000.00} was settled via phone conversation between XXXX XXXX  XXXX agent and XXXX XXXX  representative on XXXX for {$710.00} lump sum payment to be received by XXXX XXXX  on or before XXXX. {$710.00} was debited from reserve account with XXXX XXXX XXXX  on XXXX. Check # XXXX from XXXX XXXX XXXX was endorced by XXXX XXXX on XXXX. PLEASE NOTE the account of origin for this check.. this was not a personal checking account, but a reserve account that would have only been in place to serve in debt consolidation efforts. This was a settlement payment! Check was incorrectly posted by XXXX XXXX as a payment on the pre-settlement balance rather than accepted as the settlement payment in full. ERC Collections notice, received XXXX ( 4 years later! ), stated that the account remains unpaid with a balance of {$1600.00}. Copies of settlement agreement, reserve account debit, and endorsed check mailed to ERC Collections on XXXX. ERC Collections notice, received XXXX, states that payment of {$840.00} will settle the account for less than full balance. 

This account was settled in XX/XX/XXXX. No further settlement terms are needed or secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
I have received a debt on my credit from a company Lewis Mcd/XXXX XXXX XXXX that I have no knowledge of. The dates are out of a range to my knowledge and the amount owed is not an amount I have ever seen. I have never heard of this company before it showed up on my credit report and it is not being removed from my credit history. I have researched this company and they are known for creating fraudulent accounts and I would like it removed immediately.

Company response to consumer: Closed with explanation