vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX I, XXXX is a collection Agency, THEY send to my a Letter trying to collect a Debt to me. I Dispute this debt with them within 30 as the Laws requires. The information they provide to me is not Accurate even My name, they request some documents to me and i send it to them as Birth Certificate, Social Security Card, Driver License, Bill, once i send all the information, they said that's no enough and under FCRA laws, if the information wasn't accurate, have to be removed from my credit report also FDCA laws, said the same and they are violation my consumer right all the time, I'm disputing this with them for more than a Year, Actually the sold this collection to another Collectors as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I request Debt validation, and only send a few Statements, not all of them as I request to them, even in those report is a Different name like mine and legally they have to remove that collection from my credit report, and that is a violation of my consumers right because the information is innacurate and they know it and still threaten me when they are selling this collection to another collections Agencies and keeping this collection on my credit report. My Name on Credit Report is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called XXXX XXXX and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used XXXX XXXX service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. 

XXXX transferred me to XXXX, a XXXX male who stated he was a supervisor. After tell XXXX what occurred, he refused to assist claiming he could not verify my account. I asked him several times to send the text for verification to my personal cell number as I was on my business line and it was trying to call me while I was on the phone with him. I did not want to switch over because I did not want to lose the call with XXXX. XXXX refused to verify my account and did nothing to remedy the situation. 

I spoke with Chase Bank yesterday XX/XX/2021 and they verified the money was indeed reversed and returned to XXXX XXXX on XX/XX/2021. 

As of today, XX/XX/2021, i finally received a reversal but there was {$40.00} missing. Apparently Chase bank stole my money because of their mess up. I WANT MY MONEY BACK TODAY. I am not waiting anymore days or hours for your inadequate employees to do their jobs correctly. 

I have sent this to the Florida attorney general, the federal attorney general, and XXXX. I have also submitted complaints to CFPB, left bad reviews on XXXX, XXXX, XXXX, XXXX and of courseXXXX XXXX. 

I am getting other clients together who have published complaints on CFPB and XXXX  website to possibly get a class action lawsuit against your bank for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Received the paycheck protection plan loan ( ppp ) and Capitol on has had a gold on my account for over 4 months. Even after I have filed multiple accounts and have contacted them multiple time. And only information they give me is that they are preforming and Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Trying to reach a solution, Mr Cooper is offering 3 options when our pandemic forebearance ends XXXX-lump sum payment, short sale, deed in lieu. These are not acceptable. Our loan trustee is XXXX XXXX XXXX XXXX and investor is XXXX XXXX. Can the missed payments be moved to end of the loan? Do any other options exist?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The loan has an impound account and the servicer is responsible for paying taxes and insurance. However, the insuree ( XXXX XXXX XXXX ) has not received the insurance payment and hence canceled the insurance policy for the property. 

I have tried multiple attempts to try to resolve this between Specialized Loan Servicing and XXXX XXXX. No action has been taken to remediate the 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 2021-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX & XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.

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 2021-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My Grandmother co-signed on this loan. I have never missed a payment, now that my Grandmother, XXXX XXXX, is total and permanently XXXX, I want these 2 loans removed from her credit report. 

She was discharged from the student loans she had due to the XXXX being approved, See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I disputed an account in the amount of {$3200.00} that was in collections to have been open fraudulently. It was removed from my credit report. In XXXX it was re-inserted to my credit report and I was not notified! This reinsertion has lowered my credit score and also started the illegal re-aging of this account. The account is now open and was last reported XX/XX/XXXX. I sent a certified letter to Equifax asking they remove this account from my report. I haven't received a response. Now the company is sending me letters to make a payment when I never received a letter stating this account would be reinserted!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters sent me a document in the mail claiming that i owe a debt. Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer Pursuant to the FDCPA, specially 15 USC 1692g it states within 5 days after the initial communication with a consumer in connection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt, or any portion of the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt collector will obtain verifications of the debt and ( 5 ) a statement that, upon the consumers request within the thirty-day period the debt collector provide the consumer with the name and address of the original creditor, if different from the current creditor National Credit Adjusters has failed to provide 3-5, and therefore, is in violation of the law. Not only did they not include it in the initial communication, they failed to provide it within the 5 days. National Credit Adjusters also back dated their letter it states the typed on XX/XX/2021 when the certified green card receipts is dated for XX/XX/XXXX with signature of when they received it. Attached is the communication I received from them. On the Alleged Debts thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: VA

Complaint narrative:
on XX/XX/2021, I sent you a letter regarding inaccurate things on my credit report on but to this day more than 45 days have passed, but I still got no response from you nor the negative items were deleted. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will take legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have really been trying my best to do good on my own I spend so much time homeless because I could not get approved for an apartment. My baby mama put me out my life is falling and they are really not helping please help me. 

I have sent letter, called, fax and still nothing has been done about my credit I sent letters on XX/XX/21, XX/XX/21 and called and faxed many times in between and still nothing has been done to fix this misleading info 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 2021-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account was used to fund fraudulent ACH transfers. I have no connection whatsoever to these transfers. The information used was information available on checks. Specifically only the routing number and my checking account number. I never authorized nor had anything to do with these transactions. Moreover the bank did not send me my statements in hard copy as requested. When the fraud was discovered the bank acted as if it was my fault. They were very difficult to speak with and would not even providw me a contact person or an email address to use. They were completely unreasonable and most specifically they would not tell me what security measures were in place protecting my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required security measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Lender Placed Insurance fraud, Proof of Insurance provided to mortgage servicing company Shellpoint Mortgage Servicing, received letter stating funds removed from escrow account would be refunded, funds never refunded, additional " Lender Placed Insurance charges removed from my escrow account, mortgage servicing company started applying miscellaneous fees to my mortgage account to compensate for fraudulent Lender Placed Insurance charges against my escrow account never refunded as per letter from Shellpoint Mortgage Servicing, all of my payments have been made on time, they have not been applied to my mortgage properly, nor have the funds for the fraudulent Lender Placed Insurance charges been refunded to me or my escrow account, additionally Shellpoint Mortgage servicing returned several of their other customers live mortgage payment checks to me, somehow associating them with my account, my account is now so far off from accurate, I don't know how to correct myself or force Shelllpoint mortgage to correct all of these fraudulent charges and my escrow account balance. All of these fraudulent charges have caused my credit rating to be destroyed in addition to the problems with my escrow and mortgage, I need real help. I am XXXX and a veteran. 
Shellpoint Mortgage Servicing account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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:
FCRA VIOLATIONS : NOT MINE REMOVE IT : XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX  Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX ( I Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX - XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX # XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ordered childrens XXXX yard playhouse supposedly on clearance XX/XX/XXXX, thru XXXX ad. Hours later, I check my online statement to find I have been charged by a XXXX company ( actual company in Ohio ) {$140.00} plus international currency fee. Immediately I call Citi, cancel the order, and the card. They issue security credit, send new card to me. I believe issue done. WRONG Citi sends me new card, THEN permits XXXX company to charge NEW card on XX/XX/XXXX. Posted to statement XX/XX/XXXX. I call immediately, inform they they had NO PERMISSION to bill new card with bogus charge. Rep tells me they " automatically '' bill new cards issued after I cancelled to PREVENT XXXX CO. FRAUD!!! I have called and invested 14 hours in phone wait time trying to get them to realize their mistake. 
When I called about charge showing up on my replacement card, they cancel the replacement card and advising again it would be forwarded to Security, issue me a THIRD card, and never correct their error. 
I spent 3 hours at my local Citibank with lovely rep trying to resolve as she looked at my statements with HER and her overseeing bank manager last week, and was told security would advised after she was subjected to the same line transfers, holds and bad English service persons. Now my credit reports have been advised I am 4 months late, plus late charges. I have NOT received anything from XXXX. There was original fraud charge, and no permission given for any rollover charges to new card when Citi rep was advised, and I have wasted WAY too much frustrated actions trying to resolve, when I did the right thing the first day, and every action after is a result of Citibank 's error, horrible service, and woefully insane business process and poor language skills of out of USA service centers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief