vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am not the person being affected by this complaint. Let me explain -- I am a mortgage loan originator ( NMLS XXXX ) and recently had two past clients contact me about refinancing their jumbo loans. By refinancing I was able to reduce their rate a full point saving them thousands of dollars. Of course there are fees to refinance and they were accepting what I quoted them. Both clients completed the loan application and I pulled their credit report and submitted both files to my processor. About 2 weeks after I started the process both clients received a letter in the mail from Chase bank offering to reduce their rate for free!!!!! I finally figured out that Chase is likely paying a credit monitoring company to alert them when their clients credit report is pulled by another mortgage company so they can contact them to keep the deal in house. I told my clients I do not blame them one bit for cancelling my refinance and told them congratulations. 

What bothers me is what about all of their other mortgage customers who are not offered a lower rate for free? Chase bank only offered this once they found out they could lose a customer due to refinancing. This is not fair to all of their other mortgage customers who will not get a letter like this. They are not treating their customers equally and fairly and should have to offer this to all customers, not just those they could lose to refinancing. Why should others at high rates continue to have a high rate while they offered this to my two clients for free. 

By the way, both of these loans were jumbo loans with average loan amount of {$900000.00}. If they do not offer this to lower loan amounts is this not discriminatory?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Hello on XX/XX/2021 your company had no consent to run my Credit, I'm in the process of building my credit and have no desire to apply with for a credit card with your nor have I heard of the company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I wanted to sublease my apartment, one person contacted me saying she is moving to my apartment with her new job. She sent two cheques to my address saying the company sent it for her moving cost. she told me to deposit those cheques and transfer via XXXX. I deposited two cheques on XXXX XX/XX/2021, total amount XXXX , after I transfer, the cheques got bounce back and i lost all my money. I notified Bank of America. They couldnt resolve the issue yet.

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
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
In or around early XX/XX/XXXX I had experienced another hardship due to Covid-19 and on XX/XX/XXXX, immediately contacted Rushmore Loan Management Services via my RLMS account email for procedural information. On XX/XX/XXXX, I received an email response from the Servicer indicating that I could go to their website and apply for the extension. On XX/XX/XXXX, I received confirmation from the Servicer my payment of {$330.00} had been applied for XXXX. 

On XX/XX/XXXX, I went to the Rushmore Loan Management Services website to apply for the Covid-19 Relief. Upon completion of the application, the system advised me that I would be contacted in 10 days. I was never contacted by the Servicer regarding the status of my Covid-19 application. 

On XX/XX/XXXX, Rushmore Loan Management Services XXXX contacted me and left a voicemail for me to return her call. I immediately returned the Servicers call and spoke to XXXX who indicated the reason for the call was for XXXX payment of {$330.00}. I indicated to XXXX that I had initially applied for the Covid-19 Relief and that I retained a Declaration of Hardship form drafted from the XXXX XXXX XXXX Website. XXXX requested that I complete another application and email the completed Declaration of Hardship form to XXXX. She stated I would receive a response in 10 days. However, I immediately applied for a second time and provided the Declaration of Hardship form to the provided email. 

On XX/XX/XXXX, I received the enclosed Notice of Collection instead of a response to my Covid-19 Relief application. I am outraged that the Servicer has disregarded my Hardship and seeks to accelerate their attempts to collect payment. The Servicer is in clear violation of Federal/XXXX  XXXX laws as they pertain to individuals impacted by Covid-19. Their website clearly displays the following : If you are impacted by covid-19 we are here to help. In addition, the Servicer has violated their policy of not contacting me within the specified timeframe of 10 days after completion of the Covid-19 application. To this date, I have not received any response to any of my applications regarding Covid-19 Relief. I am requesting an extension/moratorium from the Servicer due to financial reasons impacted by Covid-19. I have provided the Servicer with 2 online applications and the Declaration of Hardship form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My servicing company PennyMac collected an escrow payment from me, and was supposed to adjust my mortgage. Additionally, I continue to receive notices from my insurance company suggesting my home insurance hasnt been paid. At a minimum now the effective dates are different, but PennyMac is unreachable.

Even after staying on hold for 30 minutes at a time, they simply disconnect my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I applied for a Credit Card from XXXX and tried to log into the app and was told I already had an account, which is impossible cause I've never applied for a Chase card or opened a Chase bank account. The checking account was opened on XX/XX/20. I called the XXXX customer service and they confirmed yes indeed someone has all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Park Hill Holdings
State: VA

Complaint narrative:
I called Corelogic Rental solutions to verify if they received my request via fax for a consumer report, which I'am entitled to every 12 months. The gentlemen I talked to told me that me doesn't have my ss # on file and no info on my name and social security number. I think asked if he can see if I have my XXXX XXXX. He told me there isn't, but I have a letter from the company stating my XXXX is in place. I called back and spoke to a woman. She informed me that they did not receive any fax of a request for a consumer report because their fax isnt working. SHe told me to e-mail. I then asked her what e-mail? The fax for consumer report request only states fax and mail ( I did sent a certified mail request that hasn't been picked from from the post office ). SHe then hung up on 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 2021-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: VA

Complaint narrative:
ClearPath Lending Licensing Information : NMLS : XXXX http : XX/XX/XXXXClearPath Lending, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX I refinanced with this company in 2020 and then sold my house. Since that time XXXX XX/XX/2020 ) I have continued to receive annoying mailings which I have formally requested to be stopped. The company acknowledges stopping the mailings but they keep coming. 

I ADVISE EVERY VET TO AVOID CLEARPATH LENDING AT ALL COST. THEY WILL HARRASS YOU FOREVER.

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 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a hard inquire from your company without my consent or knowledge that has resulted in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Tried to get this out of my credit report. No longer have this company any more. They switched me to a nother broker. The company know is XXXX  morgage know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
From XXXX XXXX, i got a credit alert regarding the recent charge on XXXX XXXX credit card. ( XXXX  works with experian ). i do not any XXXX credit card in US until now. 
i call XXXX for 3 times, they even do not have any of my data via SSN or name or DOB. 
i ask around my family member. they even do not have any credit card authorized to me until now. this is the reason i filed.

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 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Received a letter XX/XX/2021 from XXXX XXXX XXXX XXXX claiming I owe {$500.00} to PayPal and they are willing to take a settlement payment of {$370.00}. I contacted PayPal immediately and they confirmed I do not owe them any money, my account is in good standing and that this collection agency is attempting to collect a debt that is obviously not mine. I went to the website of this collection agency and did not feel comfortable calling the customer service phone number and I believe this is a scam and or someone trying to commit fraud. I contacted an attorney already as well as XXXX  and made them aware of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The following transaction on my card on XXXX of XXXX, 2020 is a case of fraud. 
Merchant : Paypal specialtyst XXXX CA Date : XXXX XXXX, 2020 Amount : {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received email form MATTRESS FIRM/SYNCHRONY HOME saying I needed to pay my account, which I do not have, nor have a credit card with. I ignored the first email and have continued to receive emails with the following greeting : " Hi XXXX, This is just a friendly reminder that you missed a payment for your MATTRESS FIRM/SYNCHRONY HOME account ending in XXXX. Your new total minimum payment is {$210.00} ''. The email is from account XXXX and the toll free # on in the email is 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 non-monetary relief
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
This company has placed a random collection amount on my credit report which resulted in my score going from a XXXX to a XXXX This needs to be fixed, I have no knowledge of this random collection amount and have never had a derogatory mark/collection ever in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XX/XX/XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV

Complaint narrative:
We refinanced our mortgage with Cardinal Financial in XXXX. Since we refinanced Cardinal has not been able to pay our property taxes in a timely manner. Property Taxes are due today an no payment is scheduled by Cardinal Financial. This will be the 3rd time Cardinal Financials has paid our Property Taxes late and I now have a late payment assessed on my property. Over {$1800.00} is due today and Cardinal Financial does not show payments for property tax until XXXX and XX/XX/XXXX. We have already sent in the late payments notices to Cardinal Financial and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, equifax and XXXX is reporting this account. Yes I have notified them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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: PA

Complaint narrative:
The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, XXXX and experian is reporting this account. Yes I have notified them as well.

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 2021-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Direct Mortgage Loans, LLC
State: MD

Complaint narrative:
RECEIVED A LETTER FROM : DIRECT MORTGAGE LOANS LLC XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - MARYLAND XXXX THE FIRST PAGE WAS NOT DATE ; HOWEVER, IT WAS INDICATED THAT THEY MY RAN A CREDIT REPORT WHEN I DID NOT AUTHORIZE IT!!!! 

WHEN I CONTACTED THEM BY PHONE, I WAS TRANSFERRED TO VOICEMAIL ( 2X )!!!!!! 

I DEMAND THAT THIS INCIDENT BE INVESTIGATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: VT

Complaint narrative:
I received a letter from REVCO Solutions dated XX/XX/2021 which stated this was communication from a debt collector. The letter included my name, the creditor name, the creditor account #, service date, and balance. The letter did not include a statement of my legal right to request for verification of this debt. I have not receive any other communication from this debt collection agency about the right to request debt verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have been trying to contact these companies about the fraudulent activity that keeps being reported on my credit report. I have sent numerous validation request demanding a contract with my signature stating that I agreed to do business with these companies, and have yet to hear from anyone. As I am fully aware of my rights under the FCRA section 609, I demand an immediate removal of these fraudulent items from my credit report. I have sent letters via mail on XX/XX/2020 and XX/XX/XXXX XXXX please help me to contact these companies of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I made XXXX worth of purchases on Coinbase, the XXXX was withdrawn from my XXXX XXXX XXXX savings account. On XX/XX/XXXX I received automatic emails from coinbase statement my transfers failed, but they had intact come out of my bank account. I submitted 3 tickets with no response. I then had my account liquidated for XXXX. I disputed this with XXXX XXXX XXXX and now im getting emails saying I have more failed transfers. No customer service phone number and they don't answer tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
RE : Diamond Preferred Card # : XXXX XXXX XXXX XXXX On XX/XX/XXXX, around XXXX XXXX, I received an e-mail-custom alert from Citi about a {$3500.00} transaction done to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with my credit card ( card was not present at the time of transaction ). 
I immediately called and contacted 24-hour customer service XXXX and I spoke with XXXX ID # XXXX, a representative from Citi, and I told her about this fraudulent charge. She immediately cancelled my credit card and ordered a new one that I received three days later via mail. 
What is strange to me is that if I called on XX/XX/XXXX to report this fraudulent transaction, why did that amount show as approved on the XXXX on my balance statement? It is strange that the transaction is not being shown as pending or under dispute or investigation, but rather it appears it is approved and being charged to my account. Why? 
I have called City Credit Card Corporation several times to tell them that they have charged the {$3500.00} to my credit card balance even though I already reported it as fraud, but they have not done anything about it. Their response is the transaction is under investigation. I spoke with a Citi Supervisor, XXXX  ID # XXXX, but even he does not know what is going on. 
Please, I beg for your help to do an investigation on Citi Credit Card. I strongly believe that someone inside this company, perhaps an employee, is doing this fraudulent charge. 
Thank you for your kind attention to this matter. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Tel. : ( 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 monetary relief