vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear CFPB, My Name is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX unfortunately both deceased. 

I am complaining about JP Morgan Chase Bank, filing an illegal foreclosure and eviciting me from my parents home on XXXX/XXXX/XXXX, Fact on XXXX my father passed away XXXX XXXX XXXX, Fact on XXXX XXXX, My Mother Passed away XXXX XXXX XXXX XXXX Fact I lived with my parents my whole life at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX On or about XXXX/XXXX/XXXX JP Morgan Chase Bank filed a fraudulent foreclosure action against my Mother XXXX XXXX XXXX deceased which is legally impossible to do, suing a dead person is a legal nullity, facts they and their attorneys XXXX and XXXX XXXX was awarded a Judgement of Foreclosure and Sale by a Judge who was bribed, they can not sue a dead person it is legally impossible, XXXX and XXXX XXXX XXXX did not have standing to sue because they are an LLC and forbidden under the Illinois Attorney Act.. The Court did not have jurisdiction to hear the case because it was a ( Probate Matter ). Fact the obligation was paid to JP Morgan Chase Bank on or about XXXX. I am demanding that JP Morgan Chase Bank be prosecuted for fraud and destroying all of my personal property. They violated the XXXX XXXX XXXX. They did not enclose payment history to prove that the mortgage was paid off in the Foreclosure Case 13-CH-136 as required by Illinois Supreme Court Rules Specifically Supreme Court Rule 113. They did not disclose payment history because they took advantage of my parents USURY and the illegal foreclosure. They have bribe the Clerk Of the Circuit Court they can not administer estates. I have asked their attorneys XXXX And XXXX numerous times to validate the debt and they refused. Suing a dead person is impossible. JP Morgan Chase Bank N.A. has taken advantage of deceased mortgagors and veterans and their dependents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
There is an entry on my XXXX credit report from IQ Data Systems. Upon investigation, I discovered that this collection account is for a remaining balance from a property management company ( XXXX ). I co-signed on a lease for my son 's apartment - when he moved out there was a balance due. I have paid this balance of {$1000.00} directly to XXXX. I have the receipt for this payment. 
This paid account should not have been sent to a collection agency ( IQ Data Systems ).
I have contacted IQ Data regarding this inaccuracy and I have received no help on this matter. They maintain that this is still an outstanding balance with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed a collection with Equifax several times in the past year. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with Equifax several times in the last few years. Every times it comes back as verified by Equifax. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor , XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both Equifax and XXXX XXXX XXXX That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: CO

Complaint narrative:
On XXXX/XXXX/XXXX I discovered I saw a pending transaction on my checking account for {$360.00} from a company called XXXX XXXX - since I havent done any transaction for that amount I tried to contact the merchant with the phone number attached to the transaction. The call went to a personal voice mail - no name -it asks to leave a message .. after 2 attempts- I decided to call my bank and inquire about the charge. The representative informed me it was a charge going through my debit card and went through on XXXX/XXXX/XXXX for {$360.00} ; XXXX/XXXX/XXXX for {$360.00} and XXXX/XXXX/XXXX for {$400.00}. The representative stated not to worry and the bank will investigate and refund the charges back to my account since I havent authorized it and that the charges are fraudulent. He also stated that my account is insured and transferred me to the claims department. The agent in the claims department repeated the same thing and I also found one additional unauthorized charge that went through from XXXX for {$62.00} and disputed that charge and said hell deactivate my debit card and send me a new card. However, on XXXX the bank decided to reverse the charges for {$360.00} that occurred on XXXX/XXXX/XXXX and {$62.00} on XXXX/XXXX/XXXX stating that I didnt report the charges within 60 days of the statement date. I called and spoke with a supervisor with the claims department, XXXX in Ohio and tried to explain to her that if the charges happened in XXXX and I reported it in XXXX it is not over 60 days she insisted that the bank shouldnt refund the money that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
I had my mortgage with XXXX Mortgage ( since XXXX ). While with them, I had my mortgage recast twice at no extra cost. They have now transferred my mortgage to Nationstar Mortgage or Mr. Cooper. I learned today ( XXXX/XXXX/XXXX ) Mr. Cooper charges {$270.00} to recast in my state. I reached out to XXXX. They said that Cooper can charge whatever they want. I said that 's ridiculous. Who the heck would contract with something called Mr. Cooper for a mortgage anyway? Ca n't believe  companies can just transfer loans and then those new companies can then charge new or increase fees for same services ... scary!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
There is a collection which is unknown to me and I do not owe any medical bills, again I have disputed with no validation or evidence was sent to me please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have a credit card with Chase Bank, and I received a letter yesterday ( XXXX XXXX, 2017 ) presumably from Chase Bank. The letter is dated XXXX XXXX, 2017. 

Yesterday evening, I called the number listed on the letter because I wanted to know more about the matter the letter speaks of. The letter states that someone other than the primary card member tried to get information about my account, but the letter does n't provide any more specifics about who tried to access my account. So, I called to follow up for security purposes. 

When I called the number, it sounded like the Chase automated system. It asked for the last four digits of my account number ( I just provided the account numbers listed on the letter ), and then, it provided me an overview of my existing credit limit ( which sounded somewhat accurate ). I was then directed to a female customer service representative who listened to my inquiry, and then, she directed me to the " financial services fraud team. '' I spoke with a man named XXXX, and he gave me his employee identification number. He then asked me for my date of birth, my mother 's maiden name, and the last four digits of my social security. When I provided the information, he said the information was n't correct, and he asked me to repeat the information. When it did n't work again, he asked me to repeat it. I became frustrated with having to repeat myself, and he said that he just needed to verify my account security questions before we could proceed. I started to become concerned this was a scam so I hung up. 

I called the number listed on my Chase credit card to report the incident. The representative I spoke with said no letter was sent to me on or near the dates in question and that the number the letter provides is not a Chase number. The representative also told me that the account number was not my credit card account number. The representative told me my account has not ( yet ) been compromised and asked me to email a copy of the letter, which I did today ( XXXX XXXX, XXXX ). 

I submitted a fraud complaint with the FTC as well ( Reference No. XXXX ), and the FTC website indicated that I could also submit a request to the CFPB. ( I love XXXX. XXXX! ) I 'm happy to provide the CFPD with a copy of my letter and envelope to help resolve this investigation. I have dealt with the Chase Fraud Team before, and I am skeptical of their ability to promptly follow up on security fraud issues. 

I found this scam to be particularly alarming. I am used to receiving scams by phone, cellphones, or text ; I have never received a scam using letterhead of an official, nation-wide bank. It was very convincing. 

If you have any questions, please contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
With all due respect my wife always will do the right thing. She has tried to work out several ways to lower or catch up mortgage. We receive letters and demands on the daily bases and also emails from time to time. But what the real issue is regardless of the default is we were not given full disclosure. We should all know that pooling, selling notes which is Securitization and fraud lying to investors and it is no longer a nogoetiable instrument it is a non-nogoetiable that has been turn into a security instrument. Through 21st Mortgage Corporation its agents or agent violated T.C.A. title 47 in Uniform Commerical Code section 3-305 ( a ). 21st Mortgage materially altered a contract without the  consent of XXXX XXXX XXXX or XXXX XXXX committed Fraud in the factum. This is why this transaction is illegal. And thus fraud which induced us both into a contract upon terms and conditions other than agreed upon. The law is expressed as 3-305 and claim recoupment. And as stated in general rule subsection ( b ). This is fraud and lack of legal capacity or illegality of  the transaction WHICH UNDER LAW nullifies the obligation of the obligator. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms ; ; or the law that Governs this note/bond/mortgage security interest lien is the Statues at Large Public Law 13 38th congress Stat 99-118, the National Currency Act which expressed as prima facie Law under the United States Code Title 12 Banks and Banking, TCA Title 47 Article 3 Negotiable Instruments and Article 8 Investments Securities. We are XXXX XXXX and XXXX XXXX XXXX we are only asserting defense against the validity of the orginal negotiable instrument 'contract ' the alleged promissory note '. And last and foremost the first issue is consideration there has been no loan or consideration in this contract in the amount of {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: AR

Complaint narrative:
Dynamic Recovery Solutions has called me from a XXXX, AR number XXXX approximately 4 times today on XX/XX/2017 last phone call being XXXX XXXX. I 've owned this number XXXX for roughly 3 years and have received MANY phone calls over the course of those years from them asking for a man in which I have repeatedly told them to take my number off, this number is not associated with them. They have continued to harass me calling at all hours after being told to remove my number I am not associated with him. Today I received multiple phone calls with no one saying anything on the other line. I called back and an XXXX XXXX man answered ( call should be recorded ). I told him they have called me 4 times today ( that call being the 4th ) and I have told them over the last several years to remove my number and stop calling me that I do no know or have any associations with the man they are looking for. I told him that they are harassing me and the man became irate and said " do not use the word harass, I 've never called you this is the first time I 've called you. '' I proceeded to tell him multiple agents have called me and I 've repeatedly told them not to call and remove my number. I have a witness to the conversation and could hear him raising his voice and talking so much over me I had to ask him to stop talking over me. I finally had to hang up on him he was being loud and disrespectful. I 've been harassed by this company so many times and yet they will not understand the fact that this man is no longer associated with my number and will not stop calling me at all hours of the day when I have work and a family to be with.
PLEASE NOTE : I do not have an account or any affiliation with this company. They are seeking payment from the individual they are trying to which which also has no affiliation with me or my family. We do not know this person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Many years ago we transferred a balance to our Citi card with an offer that had an Annual Percentage Rate ( APR ) of 4.99 % which would last until the balance  was paid in full. We have been steadily paying the minimum each month and have never been late. We moved to a new town in XXXX XXXX and switched banks. Since we were using XXXX we changed the XXXX to our new bank. Instead of taking out just the minimum payment like Citi has always done for many years, they took out {$5200.00} from our new checking account on XXXX/XXXX/XXXX. We were in the process of selling our house and buying another one. It was nerve wrecking to suddenly have over {$5000.00} gone from our account. After many phone calls and lots of promises ( " yes we see the problem, we have to talk to this person up higher, etc. " ), we got our money back on XXXX/XXXX/XXXX and the balance was returned to the card with the promise that the interest rate would still be 4.99 %. They lied. The next statement and all since have been 18.99 %. We have called them every month. They say they will fix it every month. We have to go through the whole story each time we call. They refund the exorbitant interest then add it on the next month which makes our payment more than twice it should be. Can you please get them to honor the 4.99 % which they gave me in the first place ( I have a paper dated XXXX XXXX, XXXX that says they will honor it again, they just have n't done what it says ) and can you get them to fix their computers so that my statement will reflect this and quit charging me an 18 % interest. It makes no sense to have to call twice a month to have interest refunded, once to explain what went wrong and again to make sure it was done. Then we have to wait until the statement comes out to see that it was n't done 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 2017-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: GA

Complaint narrative:
I inquired as to auto loan rates on XXXX and after a few days I started receiving credit inquiries on my credit report. I did not apply for an auto loan with XXXX, but they sent out loan requests to creditors. My complaint is against XXXX for unscrupulous business practices and dealings regarding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.

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