vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased my first home at XXXX  XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX XXXX dba XXXX XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) XXXX  continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) JPMorgan Chase Bank National Association ( " Chase '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today Chase by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the Superior Court of New Jersey under Docket No. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, Chase by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between Chase and XXXX conspiring to create the document ( See Exhibit D ). 

I believe that the foregoing events are, in part, connected to the criminal acts by XXXX XXXX through its executives, the latter of which were sentenced to federal prison as displayed herein as Exhibit E

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has refused to send a check to my residence address for the balance of my closed savings account. This is despite the fact that the Bank has had my correct residence address since I opened a credit card account in XX/XX/XXXX. In fact the Bank still sends me monthly credit card statements to my correct residence address, which has never changed. The Bank 's response to my first CFPB complaint ( XXXX ) was that they sent the check to a different mailing address, which was returned as invalid. I have never had a different mailing address. The Bank 's response to my second CFPB complaint ( XXXX ) was that I should reopen the account and have the money transferred to an external account. When I called customer service to do that, I was told it could not be done. I have also completed the Bank 's verification procedure multiple times by uploading my driver 's license, but never to the Bank 's satisfaction. The Bank is acting in bad faith when the simple solution is to send a check to the residence address they have had for over 9 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/2020 my XXXX and XXXX XXXX ( {$780.00}, XXXX {$87.00} NY XXXX ) was deposited into my HSBC checking account by direct deposit. They have told me on numerous occasions they account was in process of closing and then closed, depending on whom you speak with in the fraud department it is in different stage. On different occasions they have told me that a check was mailed ( 5 times ), in fact a check was never mailed. They are holding my government funds that have nothing to do with another problem with account. At their request I submitted proof 2 times to their efraudprevention email. I have been on the phone with them practically everyday. I also spoke with XXXX XXXX at their XXXX XXXX XXXX branch, she is the Vice President ( XXXX ). I spoke with a XXXX XXXX at XXXX for XXXX XXXX, I also spoke with a XXXX  ( unknown position ) at XXXX, she works out of headquarters in XXXX, New York. I have spoke with a multitude of people in the fraud department. I am in desperate need of this small amount of money that I live on sparsely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: AES/PHEAA
State: TX

Complaint narrative:
FED Loan is showing me missing payments after I had applied and was approved for a forebearance and was told that once it was submitted, complete then my payments for those accounts would be corrected. It is showing as missed even though I had been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Recently refinanced mortgage. Received letter from new servicer ( NewRez ) on XX/XX/2020 ( dated XX/XX/2020 ) that stated that we are in a Special Flood Hazard Zone and that we must obtain flood insurance in 45 days from the date of the letter ( XX/XX/2020 ). Our home is near a river ( 800ft ) bu

t is 100ft in elevation higher than the river. We have never been required to maintain flood insurance by any other lender. I looked at the FEMA website myself and it says we are Flood Zone X ( the lowest risk ). I called them the same day I received the letter and they informed
me that FEMA " recently updated their maps '' and that get their data from FEMA and it said we were in a high risk zone. They told me if I supplied information from FEMA showing that we were in a low-risk zone, they would remove the requirement. However they
said that I couldn't just simply send them a screenshot from the FEMA website, it had to be official.

I submitted a request to FEMA on XX/XX/XXXX, but was told it could take 45-60 days. I received a reminder letter from NewRez at the 60 day mark. I still had not heard back from FEMA so I started exploring options to obtain flood insurance, hoping I could get it refunded after. During my search, I found a firm called Second Chance Flood that can prepare flood reports using FEMA data. I paid them to do research and they provided a detailed report which included maps and FEMA form that showed I was in Flood Zone X.

I supplied this information to NewRez via Fax and Email on  XX/XX/XXXX. Today ( XX/XX/XXXX ), I received a letter from NewRez ( dated XX/XX/XXXX ) indicating they had purchased flood insurance on my behalf at a rate of $ XXXX/year. They reported to the insurance agency that I was in flood zone AE ( highest risk ). They completely ignored the information I provided and I'm not sure how to get them to resolve this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2100.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Unfortunately I had to file Bankruptcy with Tower Loan in XXXX, MO. Being one of the creditor 's. I called in and gave the lady employee my lawyers information and let her know what was going on. The branch manager then called me back trying to convince me that the best move was to still pay them. I explained it was better for me to file on all my creditor 's. At that point
XXXX  said that he was taking this personally. He had " stuck his neck out " for me to get the loan and it was a " kick in his XXXX  '' then he told me it
was the worst time of year for me to do this and that I was " XXXX  up his XXXX  bonus '' He then went on to say how " he didn't know how I could stand myself i was a bad person '' " your just a horrible person '' He then threatened " ill be at your hearing wait until you see what happens ''

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 2020-10-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. 

XXXX XXXX # XXXX First you published inaccurate balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX  XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU  HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.

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 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The following Transaction was part of a scam : XXXX XXXX -negative XXXX EUR XX/XX/2020 Money Sent Repeat this transaction Your recipient should have the money by XX/XX/2020. 
Paid with Cash VISA Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$250.00} Exchange rate {$250.00} USD = XXXX EUR XXXX USD = XXXX EUR Transaction ID XXXX Sent to XXXX XXXX  XXXX Details Sent to XXXX XXXX  XXXX EUR {$240.00} Fee XXXX EUR {$12.00} Total XXXX EUR {$250.00} This transaction was a complete scam and I never received the item paid for. The scammer created a fake XXXX account to trick me into buying something and I never knew how PayPal worked, to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX # XXXX. This account was charged off in XXXX. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$2500.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$2500.00} and a Charge Off/Close Account must show {$0.00} Past Due.

3. Delete this account, because it shows a High Credit {$2500.00} and a Charge Off/Close Account must show {$0.00}.

4. Delete this account, because it shows Payment History reported  consecutively on these dates XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX {$2500.00} Balance ; XX/XX/XXXX {$2500.00} High Credit ; XX/XX/XXXX {$2500.00} Amount Past Due ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX L ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX G ; XX/XX/XXXX 4 Account must show NO Payment history or consecutively as L, G, BALANCE AMOUNT, PAST DUE AMOUNT or HIGH CREDIT reported on my credit report. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated. 

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IL

Complaint narrative:
The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match.

XXXX XXXX  # XXXX  First you published inaccurate balances of XXXX  and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with XXXX XXXX. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications.

I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.

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 2020-10-16 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: FC HoldCo LLC
State: IL

Complaint narrative:
The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. Flagship LLC # XXXX First you published inaccurate
balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with flagship LLC. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally

XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications. I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.

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 2020-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased my first home at XXXX XXXX XXXX, XXXX, NJ using a mortgage loan wherein the latter designated XXXX XXXX as the lender with a principal balance of approximately $ XXXX upon me putting down approximately $ XXXX. In or around XXXX XXXX, I discovered that : ( 1 ) the foregoing transaction was discharged by Wells Fargo Home Mortgage ( " WFHM '' ) in XXXX XXXX without my knowledge or consent upon someone creating a refinance through XXXX XXXX   XXXX  ( XXXX XXXX ) XXXX XXXX  XXXX dated XX/XX/XXXX without my knowledge and or consent ; ( 2 ) WFHM continued taking monthly payments for me for XX/XX/XXXX through XX/XX/XXXX ; and ( 3 ) XXXX XXXX XXXX  XXXX XXXX ( " XXXX '' ) continued taking payments from me from XX/XX/XXXX through XX/XX/XXXX towards what I believed was my original purchase, not knowing said payments were going towards the forged refinance. 

Furthermore, I have not received proper credit for all of the payments that I made for the months XX/XX/XXXX through XX/XX/XXXX. 

Today XXXX by and through XXXX XXXX XXXX XXXX XXXX, XXXX. ( " XXXX  '' ) are foreclosing on my home in the XXXX XXXX of New Jersey under Docket XXXX. : XXXX since the year XXXX to present date, using a forged refinance mortgage loan recorded in the year XXXX ( See Exhibit A ) for which an expert handwriting expert confirmed by way of report dated XX/XX/XXXX that someone other than me authored and forged my name on mortgage loan documents as displayed within Exhibit " B '' annexed hereto. 

Furthermore, XXXX by and through XXXX commenced foreclosure in XXXX XXXX annexed hereto as Exhibit " C '', and the assignment instrument asserting a transfer of the forged mortgage loan is dated in XX/XX/XXXX and displays an email communication between XXXX and XXXX conspiring to create the document ( See Exhibit D ).

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To Whom It May Concern at Wells Fargo : This complaint is in regard to the forbearance plan. I was persuaded by a rep to participate in this plan. She was the one who suggested it. I never asked her first to be placed on the plan. The plan was never fully explained before I was signed on to it. I was told I could suspend payments while my loan modification ( which was terminated in XXXX XXXX was reviewed. I didn't need to suspend payments at that time and I still do not need to suspend them now. I would not have asked to be put on this plan because my understanding was that forbearance was for people who lost their jobs/needed help due to the pandemic, and that clearly didn't apply to me. 

As I have not missed a payment, I have not used this forbearance plan. When I've signed onto my WF online account, it was stated that I could remove myself/not extend the forbearance plan. Strange how the link did not work for me. I've tried many times, including this evening. What comes up every time is a number I have to call instead. 

I do not plan on ever calling Wells Fargo again, because your reps lie and provide misinformation, even in the EXECUTIVE office. My understanding is that this plan ends at the end of XXXX. I have not used the plan and I have no desire to extend it. So this complaint will serve to inform you not to extend the forbearance plan. 

In addition, you stated in recent response to a complaint, that I had requested a loan modification in XXXX. I do not believe that date is correct, but I will check on that later. What I am sure of is that you OFFERED me a loan modification. I had no idea what a loan modification was or that it even existed until it was offered by you. You offered it, you told me repeatedly that I didn't have to get the paperwork notarized month after month because of my fear of contracting the virus, and I never missed a payment. Then you cancelled the loan mod without even notifying me. You offered the loan mod, you lied about it, you added thousands of dollars to my account stated as " overdue, '' and set me up to fail. 
Please note that I am going to submit all of my WF statements to an accountant next week. As I've noticed that my statement online frequently changes without any reason for the changes such as a payment, I suggest you make sure current statement is accurate, or I will be submitting another complaint.

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