vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There was a nationwide issue last week where XXXX who is the parent company of my mortgage company XXXX XXXX withdrew my mortgage payment of {$1100.00} four times in one day for a total of {$4700.00} in unauthorized charges after the initial correct mortgage payment was made days before. The main issue is that my banking institution CHASE bank allowed the unauthorized withdrawals to take place even though we don't have auto bill pay for our mortgage payment. So each month we go in and authorize the payment each time we pay our mortgage. I was out of town on a business trip and had no access to my money for the entire day. I would like to investigate how and Why Chase allowed for unauthorized payments to be taken out of my account, especially when I do not have auto bill pay for my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX, i am submitting this complaint for myself, there is no 3rd party involved. On XX/XX/XXXX of 2021, i mailed a dispute letter to XXXX  Equifax and XXXX outlining their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: WA

Complaint narrative:
Better mortgage has failed to issue a closing disclosure 3 days before the closing date, despite having all documents in hand well in advance. 

Attempts to reach the agent and his team via and phone were completely ignored. An assistant scheduled a callback at XXXX PT on XX/XX/2021 which XXXX XXXX did not call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX I co-signed with my granddaughter for a new XXXX which we financed through XXXX XXXX. On XX/XX/XXXX my granddaughter refinanced the vehicle with Navy Federal Credit removing me as a co-signer. 
The account at XXXX was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to XXXX and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. 
I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with XXXX was delinquent and I paid them in the amount of {$560.00}. I told them it was refinanced and XXXX signed for the documents but XXXX does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. 
This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Penny Mac loan officer called daily soliciting us for a refinance. Once we started the process he called 4-5 times per day asking for upfront appraisal money. He promised a rate based on loan to value and credit scores he already had. As soon as he received our debt card details and charged us the appraisal money up front he stopped returning calls or emails. We informed him he had the loan amount wrong by voice mail, he promised he would make that adjustment by voice mail but he refused to call back. When speaking to the processing team they state they cant reach him either. Our lock expired today with no corrections made yet they raised the loan fees by over XXXX without disclosing them. The processing team is using a system call slydial to leave a voice mail without reaching me to make updates stating the loan officer has yet to contact them. its been 60 days sense we paid {$650.00} for an appraisal yet everything on the loan is incorrect and the rate has expired. They will not provide me with a managers name or number to speak to. They have violated all the disclosure laws

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
Second time complain : issue was never resolved Debt was never verified HIPPA was never received FDCPA and FCRA violation Metro-2 ans eOscar violation Please investigate this matter accordingly

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 2021-05-03 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2021 I was notified by my credit protection agency that The Home Depot Company issued a HARD INQUIRY on my credit history with XXXX. 
I believe my SS # has been hacked because a few months ago some one filed an unemployment claim in my name with the state of Illinois Unemployment Insurance. 
I contacted The Home Depot Company asking them to provide proof that I was the individual requesting their Credit Card but they weren't able to prove it. 
One of the facts that proves fraudulent intent is that the application to open a Home Depot Credit Card account was denied due to : Unable to verify information. 
Based on the above mentioned facts I reached out to XXXX  requesting the removal of the HARD INQUIRY but they refused!

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 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recived an email from my school regaridn a work form home oppturnity. I sent an email to it and shortly after i recived a text message from this guy name XXXX XXXX XXXX. He told me this was a work from home oppturnity and i would need to be his personql assistant. He sent me a checkfor XXXX and to depaoit it into my bank acocunt. After i did that he told me to trandfer those funds via XXXX to other XXXX  for work related stuff. I sent him that moneg back. Then i found out that my citibank account was blocked becuasr this was a fruadlent check and i was a victim of scamm and fraud. My citibnak account was closed and my own money was. Taken from me. Citibank told me to file police report which i will be doing shortly and report this fruad. I need my Citibank account opened and i need my money. Please help i have all the evidences. The text messages the emails. Citibank is telling me that my acocunt wont be opened and my own money XXXX wont be given back. Please help 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 explanation
Consumer complaint received 2021-05-03 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from CNAC. CNAC sold this account to XXXX XXXX. I have paid and satisfied the account with XXXX. XXXX wrote me a letter stating that the account is satisfied and requesting it be removed from my report. XXXX also stats that they can't report themselves because CNAC is the original creditor and they are the company reporting to the bureaus. However, CNAC stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by CNAC. The credit bureaus are stating that they can't do anything about it because the only company who can report is CNAC because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: UT

Complaint narrative:
My identity was stolen by someone and they open two accounts with Sofi lending company, Social Finance Lending. We have sent documents supporting that fact six or seven times. The police report, the identity theft report any other supporting documents. They keep sending it to another attorney and another attorney. This has been going on since 2015. They quit collection process on one of the loans and acknowledged it was fraud but now they're trying to collect on the other loan. If they acknowledged the first loan was fraudulent they should acknowledge the fraud on the second loan.

We demand that they stop the collection process and quit ignoring federal law immediately. We hand-delivered a 35-page folder of all the documents. They were delivered to XXXX XXXX Senior Site Leader. She is in the XXXX XXXX, Utah office. The documents also mailed priority to their current attorney XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This collection is not mine due to reason that my identification cards were stolen with my wallet many years ago from the XXXX gym in XXXX, California. I am assuming that someone has used my information for their personal needs. Plus, my name and last name is very common in my XXXX  community that are easy to commit fraud with this kind of name and last name Collection Company- CMRE Financial Services Original Lender- XXXX XXXX XXXX XXXX . 
Collection Amount- {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FC HoldCo LLC
State: AZ

Complaint narrative:
This account was included in bankruptcy, and should be removed. The information reporting on my credit is inaccurate including amount due and the date of last payment.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My loan was sold to National Mortgage LLC d/b/a Mr. Cooper in XXXX of this year. 
I originally refinance my loan on a 21 year term with a monthly payment of {$1800.00}. Their records show a 30 year loan with a monthly payment of {$1400.00}. I have been trying to get this corrected with no success. A person, XXXX XXXX, was assigned to get it corrected a month or so ago but it still hasn't been done. Also another problem just occurred on XX/XX/XXXX. Somehow an impound account for hazard insurance was set up without my permission. My original loan did not have any impound accounts. They made an unauthorized payment of {$1000.00} to my homeowners company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Good Evening Target/TD Mgr ; XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this Target/TD account # TARGET/TD Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX  removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX  removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial keeps reporting my payments as 30 days late, and this makes my credit score decline. I have tried calling and talking with them, but all they say is that they have reported it as current. I ask to speak with a manager and they never let me talk with one, all they keep saying is that it has been marked current and I'm still flagged as 30 days late. My payment is due on the XXXX of every month and I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Dates : XXXX, XX/XX/XXXX. XX/XX/XXXX, and other dates in XX/XX/XXXX Company : Freedom Mortgage Amounts : $ XXXX refinance for existing home mortgage Actions : 1. When I applied for the loan earlier this year, I specified that I was going to bring the money to closing. DO NOT roll the amount into the mortgage.

2. I was supposed to close in early XXXX. However, whenever the officer contacted me, I kept being told that I didn't have to bring anything to closing. 
3. I kept talking to them about me bringing the money to closing. They kept telling me that it's being handled by escalation officer. It would be corrected.

4. We kept pushing out the closing date due to the same issue. On XX/XX/XXXX, I couldn't believe that they were still telling me that I didn't need to bring any cash for closing. I was very upset and threatened to end this process. They promised that it would be corrected by the end of Friday ( XX/XX/XXXX ). 
5. On XX/XX/XXXX I contacted them again, I couldn't believe that they still told me I didn't need to bring any money to table. I simply told them that if it wasn't corrected by XXXX which was the scheduled closing date, I would go with another company. They promised they would correct it. Later that day, I even got a call and they told me the amount I was supposed to bring to the table and who the check should be made to. The officer and I went over the document ( in attachment ) and she told me the amount {$2600.00} was the amount I would bring to the table, despite I doubted that it said " cash to close was still 0 ''.

6. On XXXX as the notary lady sitting here in my livingroom, I couldn't believe that she was telling me that I didn't have to pay anything when I was ready to hand her the certified check. I was furious. I immediately called the company and all they did was to transfer me from one person to another. Eventually, I just called off the whole thing. 

I strongly think that this company is using unethical tactics to try to roll the closing costs into the mortgage despite I've corrected them 10 times. It doesn't matter who I talked to, I couldn't get them to correct it. It looks that this is the only option with this company. This is ridiculous!! They certainly need to be investigated. I will be mortgage shopping again.

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 2021-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is impossible to upload documents on Experian Disputes. I am not the only one with this problem. XXXX it. Experian has a cutesy and complicated website and push sales the first thing when you go on. I have tried calling multiple times but that is a waste of time also. So I mail. Then I receive an email back to me with a middle name of the person that stole my identity??????????!!!!!!!!! I have been disputing identity theft for 5 years. I have sent a XX/XX/XXXX sheriffs report multiple times that reflects the thief. Have sent an undated XXXX sheriffs report reflecting specific information for accounts XXXX XXXX, XXXX, and XXXX XXXX Auto Finance. I have sent warrants issued for the thief, arrests, and even convictions of this thief that even lists one of my cards that was stolen. In addition, Experian gave my credit report to XXXX XXXX XXXX XXXX without permissible permission. Experian doesnt even require proof from XXXX XXXX XXXX XXXX that they used to pull my credit. Experian needs to quit selling until they at least can do a better job of their base job for a Credit Reporting Agency.

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 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I opened an account with Coinbase almost a year ago with {$10000.00}. I invested it all in XXXX. I have almost XXXX shares worth approx {$55000.00}. My company has sold and thus my email address is not longer in service. I can not verify my coinbase account any longer. I emailed coinbase 3 weeks ago to advise them of the problem. They advised in email to open a new account with a new email address, get verified and let them know when done and they will transfer everything from my old account into my new account. I have done all of that and did email them multiple times with no response. I am in need of assistance in gaining access to my account again. Once I do, I will transfer it to a much more reputable company. 

Thank you very much for your assistance. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, while on the phone with a Paypal representative and logged into their site, Paypal decided to limit my account access to my monthly recurring income from royalties. No explanation or recourse was offered. 

Basically, I was told that Paypal will contact me in 180 days with options for withdrawing my funds. 

I have done anything illegal. I AM guilty of trusting Paypal when I shouldn't have. 

Imagine a bank telling you that they will contact you in 6 months so you can get your funds. 

My case # Ref ID - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03 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: MA

Complaint narrative:
Good Evening XXXX Mgr ; Transunion/XXXX and Cfpb ; Listen, Im shocked and perplexed today when I reviewed my credit report and still noticed that your company continues to report erroneous, misleading, incomplete information on my name for this XXXX account # XXXX Acct # XXXX. I downloaded the FCRA guide/law from FTC website several months and learned so much about consumer law. Its my basic understanding that if youre going to report information on my consumer credit report, you must ensure that youre reporting them 100 % accurate, timely and verifiable according to the provisions of FCRA. Well, this account is unverified and there is no way that you can continue it report on my credit and say that its verified. I also noticed that XXXX removed it due to violation. Its reporting with multiple inaccuracies and inconsistencies. For example, there are different and questionable dates of last verified, last reported, last payment, dates of last active, and questionable dates of 1st delinquency. Each credit bureaus are reporting this in error, plus I already paid this account and I was told that in 30 days it would be removed from my credit report. Why only XXXX removed it from my credit report? Why are there 30/60/90 CO status payment status after the account has been closed. This account is in violation of fcra and its unverifiable.

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