vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a transfer from my account in XXXX to my Chase checking account in the amount US {$20000.00}. By mistake I typed one wrong number on the receiving account. 
Immediately I notified my bank in XXXX of the mistake, and they in turned immediately contacted Chase to rectify the problem.

In the transfer document my account name was clearly shown, I was under the impression that before consumating the transfer, the receiving bank ( Chase ) would confirm the name and the account match.

In any case I have been in touch with Chase, spoken to several people at various levels and I am told that nothing can be done, that I should try to contact the receiving party, seems like the money was deposited in someone else 's account in California. 

Although I have tracked the person in California and have been unsuccessfully trying to contact them for a while now, I don't feel I should be dealing with this person. 
I feel Chase is not helping rather trying to make the problem go away and not confronting their responsibility in the matter. 
They should have confirmed all information before accepting the transfer, and if something did not match rejected the transfer. 

Kindly advise if there is anything that you can help or if you suggest I seek legal advise. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

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 2022-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire meltdown, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my hair to fall out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I purchased GAP Insurance with the purchase of my vehicle at XXXX XXXX in the event something would happen. I didnt have the vehicle 2 weeks and someone/persons did a drive by shooting on my vehicle and totaled the car. My loan was through Huntington Bank My GAP insurance did not pay the whole amount of the loan as stated when purchasing the extra coverage. XXXX remains on my credit that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
We had a lapse insurance coverage from XX/XX/2022 to XX/XX/2022. This was because we were out of country and missed renewing the policy on time. We did reinstated the policy and provided the proof of insurance on the mentioned website as soon as we received the communication mails from lender ( Flagstar Bank ) upon our return. In those mails they did mention that they will need to buy the insurance and lender purchased insurance will be expensive ( off course we did not see all that till we got back ). 

For the 30day period, lender is charging us {$520.00} for the 30 day period of missed insurance ( almost. This feels very egregious and is more than 5X the insurance cost that we currently pay. 

Upon my research, I found that under section " 1024.37 Force-placed insurance '' of Regulation Z, that such charges should be bona fide and reasonable. I do not believe that this charge is reasonable by any means and appreciate your support in resolving this issue.

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 2022-08-31 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: DISCOVER BANK
State: IL

Complaint narrative:
I contacted Discover Card and wanted to offer them a settlment payment to once and for all clear my debt. I have been paying this card for years, and the balance never goes down. I have no credit available and it is not an open card. 

Due to Covid 19, I had hardship problems. My mother is sick and I must leave overseas for an undetermined amount of time. I want to settle this credit card to a XXXX balance. When I called the comical hardship department, their biggest help was to offer two months no interest. 

This woman would not transfer me to the settlment department. This woman just kept saying they do not have such a thing, where everything else online states that it does. 

Would they prefer that I pay them XXXX? i RECEIVED NO HELP from them This occurred today on XXXX XXXX 2022. Telephone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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:
On XX/XX/2022, I sent Equifax, XXXX XXXX and XXXX certified letters regarding two inaccurate and unknown things on my credit report. I looked at my credit report today and I have not received no response. Yet my credit score continues to plummet. I feel I am being taking advantage of and my dispute letter is being ignored. According to Fair Credit Reporting Act Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am just obeying the law. Since 30 days have passed and I have not gotten any response from them and my credit score has gone down, I demand those phony accounts be deleted or I will file for litigation due to stress on my life. Trying to call them is a waste of my time because the answering service tells me they can't take my phone calls today and to call back later and hangs up. Because of their negative reporting, I can't rent an apartment, forget buying a house and can barely get a credit card. I am tired of getting rejected every time I apply for credit card. My information was also impacted by Equifax, XXXX XXXX and XXXX data breach and have gotten into the wrong hands of the wrong person. How do you think I feel?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Received collection notice. Contacted company and info they have is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I got a phone call XX/XX/XXXX stating they were XXXX XXXX threatening to turn off my electricity. They prompted me multiple times to use Zelle to send them money. Phone number XXXX ( XXXX ) XXXX. Once i hung up i saw that XXXX XXXX does not accept zelle. My bank XXXX would not take responsibility nor zelle. I called the number back to urge them send the money back. They told me you knew this was a scam and hung up. They took XXXX & XXXX from my business account and XXXX from personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
A letter to validate debt was sent to collections agency and their response to verification request was a detailed document with private medical procedures, which violates HIPPA privacy law. I did not authorize collections agency to access my medical records or sign a HIPPA form. Medical records is not proof or validation of debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
this is our second request through the cfpb regarding the cancellationn of lien regarding : XXXX XXXX XXXX XXXX, XXXX GA, XXXX. 

1. This attorney filed 2 False claims in my personal bankruptcy case number XXXX, I reported it, I guess he though he could get away with it since the Trustee is his friend, 2. He submitted a fraduluent Lift of Stay from state court and signed the judges name on it. 
3. We have paid this lien off, as a matter of fact this should have never been filed due to the previous HOA oversight XXXX XXXXXXXX XXXX XXXXXXXX did not transfer due paid for the year XXXX to XXXX XXXX XXXX 
4. We know he is working with XXXXXXXX XXXX and the XXXX TRUSTEE XXXX, XXXX XXXX for the purpose of ensuring the Lein remains on the home given the amount the mortgage fraud issue. This is sabotage making it appear we have a lein against the home which we never received a loan for a mortgage. 

i contacted hiis office and informed his assistant to infomr him. " He better release this lien or i was ensure he loses his bar number and I will be the attorney to release it, '' ENOUGH IS ENOUGH!

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 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Ability Recovery Services opened a collections accounts on XX/XX/2022 of which I was never notified in writing, and I have yet to receive a debt validation and verification letter. I have no knowledge of this account and it has had a severe adverse effect on my credit.

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I'm trying to fix my credit and I call JPMBC-Auto " chase bank '' to find out about my acct to negotiate. I call to get verification on the whole acct they denied that information and I ask for a supervisor he told me that same thing so, I ask to get a letter of agreement to settle this issue they denied that too. call back again today XX/XX/XXXX the lady gave me a whole different story from the 2 previous agents. account was open XX/XX/XXXX account was Charge off, {$0.00} written off {$1800.00} past due but it was charge off since XXXX was update in XXXX XXXX i ask about the car title they didn't want to give me information about either. agents i talk was XXXX Id # XXXX XXXX Id # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
During the covid pandemic I was on the forebearance program where I did not have to make payments. Prior to my foreberance period closing I sent a mortgage payment in via check for the month immediately after the forebearance period ended. I also came into some extra money and after I sent in payment I sent in a payment for {$10000.00} to go towards my principle. I logged into my account and noticed that the payments were received but they were not applied correctly. On XX/XX/22 I spoke to a representative on the phone her email was XXXX and she gave me tracking # XXXX Since XXXX I have been trying to have this rectified. I have sent several emails to LoanDepot and Spoken to them most recently a rep told me that I was past the time to have payments applied. I have been shut out of my account since XXXX and have not been able to make online payments nor have the issues I presented been addressed. I have sent the following emails below on several occassions. 

To whom it may concern, I am following up to our phone call. I wanted to send a recap of the issues I need resolved on my account. 

1. First Forbearance, when I logged into my account it said that I am 60 Days past due but in my letter it states that forbearance ended XX/XX/22 so that means my first payment wouldve been XXXX. I do not want it to show that I am behind on my credit. 

2. I also emailed on XX/XX/22 to have my forbearance payments moved to the maturity of the loan. 

3. I sent in multiple payments and they werent applied right. On XX/XX/22 you received a {$2200.00} payment that should have been applied to XXXX Mortgage Payment. I also had a {$10000.00} payment sent in on XX/XX/22 that should have been applied to the principal but it shows status UNAPPLIED. 

4. I have a notice in my account that says my payments are going up on XX/XX/22 by {$470.00} can you verify that this is not a permanent increase and if you can let me know how long I will need to make these additional payments. 

Thank you in advance for all of your assistance with this Matter. 


Looking forward to your kind reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I attempted to sell an item om XXXX XXXX and the buyer requested to use XXXX. Since ive used it in the past i agreed. 
the buyer was supposed to deposit XXXX via XXXX. I received a notice, from what now appears to be a false XXXX email stating the funds were on hold because i didnt have a " business '' account and the claimed they had to charge the buyer another XXXX the y then said that I had to reimburse the buyer and then thay would reimburse my account XXXX. Like a sucker I did. after an hour i recieved another notice that the XXXX customer service inadvertently charged the buyer another XXXX which like an XXXX i reimbursed the buyer. As you can guess i never received my funds and am out XXXX. 
I contacted PNC Banking and the basically told me so sorry, so sad, cant help you. 
I explained to them it was their platform that was being used to perpetuate this crime but they dont seem to care. 
I contacted XXXX and they confirmed it was a scam as they dont send emails. 
Another scam they are attempting on XXXX is the XXXX XXXX scam. Ive had 3 entities try to get my info that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX sold my mortgage to Mr. Cooper. The promise was that all payments of the mortgage would remain the same. As a result of an error on XXXX, there was a negative balance sent to Mr. Cooper. As a result, XXXX sent a check to correct this to Mr. Cooper on XX/XX/2022. The check number that was sent was XXXX. This balance was subsequently never corrected on my mortgage, and I pay more every month than I am supposed to. 

I have called Mr. Cooper every month for the past 9 months to correct this, however they have been unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My Ally Bank card was charged {$890.00} from an unknown merchant and was an unauthorized transaction. To solve this, I contacted my bank and although providing evidence and a XXXX police report, they refused to consider fraud. Along with this, customer reps from Ally lied multiple times about filing a fraud dispute claim when calling. As a young man straight out of college at his first job, {$890.00} is quite a bit of money for Ally to refuse reimbursement. Along with this, I have been a customer for over 5 years ( Family 20+ years ) and will have to move banks since they can not even keep my money safe.

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I submitted a credit card application with Citizens Bank, on or about XX/XX/XXXX. I followed up on the status of the application on XX/XX/XXXX. I was informed that I was denied due to the following reason- an account currently reporting on my XXXX XXXX as 60 days delinquent. Knowing that this was incorrect, as my Score was XXXX and all of my personal accounts current and in good standing. I explained this to the representative at that time and they explained that I could obtain my Credit File from XXXX and submit it to their credit department for Reconsideration. I did as instructed. I first contacted the XXXX XXXX. and filed a request/opened a case. I then called XXXX immediately, explained the situation to the representative, who went over the file with me, and found no evidence of what I was told by Citizens Bank regarding my credit profile. The representative then sent me a copy of the credit file via mail to forward to Citizens XXXX XXXX. Once I received the copy of my credit file, I forwarded 20 pages, split between two separate emails ( 10 pages per email ), on XX/XX/XXXX. I called the Dept. on XX/XX/XXXX, XXXX to confirm that both emails were received. The representative confirmed that both emails, containing my 20 page Credit File had indeed been received, and was under review. I followed up via phone with the XXXX XXXX. a week later for an update. I was told that my case was still under review. I waited a few days, followed up with a phone call, got the same answer-still under review. Someone called the next day to tell me again that it was still under review. I asked to speak with a manager, feeling that I being strung along, and was denied. the XXXX ( XXXX XXXX said that she would send a note to the Manager. I received a phone call the next day ( XX/XX/XXXX ), apologizing for the delay, but still no resolve. On XX/XX/XXXX, I received a call saying that my Reconsideration was denied due to an old account dating back 7 years, that is no longer reporting and shows a current {$0.00} balance, but " may '' have been late 7 years ago. They originally told me that I had a current account reporting as 60 days late. I disproved that by providing a current, full XXXX XXXX file. I was then told that they looked into my history, dating back to a XXXX XXXX XXXX, current & closed, unreporting account. I feel that I was discriminated against due to gender and ethnicity. An XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have disputed this debit with another debit collector. When Sunrise credit purchased the debit I sent the dispute five times with them saying they never received it. They continue call saying they spoke to XXXX XXXX XXXX and it is a valid debit and I need to pay it. I send another dispute today and a half an hour after sending I just received an debit is its valid you must pay.

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 2022-08-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax report showing {$170.00} collection incorrectly Equifax report showing {$550.00} collection incorrectly

Company response to consumer: Closed with explanation