vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
On Monday, XX/XX/XXXX, someone named XXXX XXXX called my parents ' landline and said he got " failure to respond '' papers. He didn't describe who he was or what this was regarding. He told me to call XXXX. A XXXX search said this number is to " XXXX XXXX XXXX. '' However, the website he directed me to was for " Direct Recovery Services. '' He called from the number XXXX. Multiple websites say this is a scam phone number. 

On Wednesday XX/XX/XXXX, XXXX XXXX called my parents ' landline again leaving a similar message to Monday 's. He once again didn't identify who he was with or what this was specifically regarding. He called from the same number as Monday, XX/XX/XXXX, but gave a different number to call back. It started with XXXX but I accidentally erased the number before writing all of it down. 

On Friday, XX/XX/XXXX, a phone call went to my parent 's landline. This message didn't give a name, who they were with, or what this was regarding. What it did say was that XXXX requested to have a hold put on my account, and that hold has expired. I have no idea what they're talking about, and I in absolutely no way whatsoever put a " hold '' on any accounts. This call came from XXXX. Many sites say this number is a scam and/or zombie debt collector scam. This message told me to call back at XXXX. A quick XXXX search pulls this number up with random results, including one being a general tech support line. 

On Monday, XX/XX/XXXX, at XXXX XXXX XXXX called my parents ' landline again. This time he said he had " authorization '' to give me a final call and that based on my " public record '' I'm not " this kind of person '' and should call him. I don't know what he thinks he's implying here, but it made me feel stalked and extremely threatened, and I *refuse* to engage with that. He gave me yet another different phone number to call back. This time the number was XXXX, and most XXXX search results pull up IRS scams. However, one PR site lists this as the company contact number for the XXXX XXXX 

On Wednesday, XX/XX/XXXX at XXXX, I received a call to my cell phone and my parents got a phone call on their landline. This recording didn't say who they were, who they were with, and only that they were " given special final authorization '' to allow me to resolve the matter by paying 60 % of whatever unnamed debt they've yet to outline. This message told me to call back XXXX. That XXXX search didn't reveal much of note. Though all of the messages told me to go to " Direct Recovery Services '' website, this is the only call that comes from a number linked to Direct Recovery Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2021, I applied for a cash-out or HELOC loan with Quicken Loans. 

On XX/XX/2021, I followed up with them to get a decision. Their agent told me that I qualified for what I was seeking XXXX $ XXXX for repairs and renovation mainly ) based on my credit, income, and longevity with the company. I told them to begin the process.

It was midway through this that I was suddenly informed that I have to completely refinance my mortgage into a much higher cost FHA loan. I currently have a Conventional loan. I explained that at no time was this disclosed and that I was not interested in a refinance, only to tap my home equity.

This is blatant bait-and-switch that borders on, and perhaps actually is, fraudulent and deceptive business.

I immediately halted the process and chose not to proceed any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Mel S. Harris and Associates, LLC
State: FL

Complaint narrative:
I was sued by Mel S. Harris and Associates LLC under XXXX XXXX XXXX, XXXX for a credit card debt incurred and signed for in XXXX, XXXX  which was my residence between XXXX - XXXX. The lawsuit happened in XXXX and was served to an address in XXXX, XXXX  that I or no relative of mine lived at anymore and I lost the judgement I was unaware existed until my XXXX XXXX ( XXXX XXXX  at the time ) account was seized in XXXX  where I then lived behind the lost judgment. I tried to resolve with the firm at the time and they were demanding more money and unwilling to settle with the funds they had already taken through the XXXX XXXX judgement. I walked away from the account and moved on. 

Sykes v. Mel S. Harris & Associates LLC was a class action lawsuit that happened between XXXX against them for the sewer service situation that I should of been a part of and was not. They settled for XXXX XXXX and that information was likely sent to that address in XXXX  also. The lost Judgement against me is still active in XXXX, XXXX  and I need it vacated since it clearly says on the judgment the server taped the subpoena to the door of an address I hadn't lived at for 7 or 8 years and was not where the debt even occurred that I was being served for. The lawyer was aware at the time XXXX  was a state I could not be sued in. 

In XXXX the case was transferred to XXXX XXXX XXXX  where XXXX XXXX XXXX XXXX  took me to court and I was granted an exemption and told to resolve the case in XXXX  so no other law firm would try to collect again. Since then the debt has moved to XXXX XXXX XXXX. I was told at that time about the judgments being vacated but now I am finding out it not and is still active in XXXX  and XXXX and simply had an exemption on it now.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I joined XXXX XXXX XXXX XXXX  in XXXX. I was told it was for 2 years with a fee of XXXX $ to cancel, no more no less. So covid 19 comes around, and doctors say the gym isnt a good place to be. So on XX/XX/XXXX I reach and call customer service to cancel. I pay the XXXX $ and the remaining months balance and to the best of my knowledge it cancelled. So I get a collections notice on my XXXX  credit report from XXXX ( XXXX XXXX XXXX XXXX ) saying I owe them XXXX $ starting from charges from XX/XX/XXXX. But I had already cancelled in XXXX of XXXX. I call the XXXX  rep who confirms my email to cancel, but proceeds to tell me that my reason of job loss due to covid is NOT a valid reason to cancel my membership. Why do I need a reason this company sees as valid in order to cancel my membership? Isnt this a free country? And again I paid the XXXX $ Cancel fee and any other balances back in XXXX of XXXX, this was confirmed by the XXXX  rep I spoke to. But again, the XXXX  rep stated my reason is not valid. She then states the only reasons you cancel include things like death, disability or relocation. But not job loss due to covid. This is ridiculous and frivolous!

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 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
A representative from Argon debt collections reached out to me in order to notify me that I owe {$180.00} to XXXX XXXX XXXX for services at XXXX XXXX XXXX XXXX in XXXX ar. The rep shows services started on XXXX of XXXX, however I didn't move into that address until XXXX of XXXX. There is no possible way that I started service there.

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I went to check my balance for my Chime account. It said my user ID and password did not match, so I clicked the link to reset my password. I was sent an email that contained hey very generic message, stating that my account would be closed on XX/XX/XXXX Due to terms and conditions being violated. I am mediately tried to call but can not get through, you have to have a valid account. I sent several emails, I was told the same thing each time. They cant tell me how The terms and conditions were violated, they dont have access to that kind of informationthey cant tell me what transaction it was, the only thing that they could say is that the money from both my checking and savings accounts ( {$3600.00} ) would be sent to the address on file within 30 days. I contacted an attorney, she mailed a demand letter. They claim they have not received it. 30 days passed & on or around XX/XX/2021 I used my husbands information to get someone on the phone, this is where I was told about the check they supposedly had mailed out weeks prior, on XX/XX/XXXX in the amount of {$1700.00} to be exact.

Shortly after I emailed again, and had a very failed attempt to contact them via phone as they had blocked my husbands account altogether. There is no longer an account tied to his number.

This email asked me to verify my mailing address, and since I didnt receive that check, that they canceled it & that they were mailing a new one.

Previous to the account closure my car had been used with two different merchants that I did not approve on three separate transactions. All three transactions are on the same dispute. They recently granted one in the amount of {$40.00} and claim that it was put back in my account, ( The same account they claim was closed ) denied the other charges stating no error occurred.

I had zero notice of the closure until it was done I am unable to login to see my bank statements, transactions, and they had {$4600.00} ( including the credit from the dispute that was due to post at the same time of closure )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 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: LoanCare, LLC
State: CA

Complaint narrative:
I have my mortgage serviced by LoanCare. My automatic payment for the month of XX/XX/XXXX, did not come out as it does every month. On three separate recorded calls with Loan Care, they have verbally admitted that the ACH payment did not come out due to " their internal error. '' The funds were fully available and my payment has never had an issue. I am someone who protects their credit score for more reasons than financial. My job requires good credit, due to the nature of my job and what it entails. This has really been very disruptive to my life, and it could potentially jeopardize my position and job, due to Loan Cares blatant, unfair, unlawful practices toward their customers. They said they would post the payment as current, however, could not do anything about the 1x30 derogatory reporting to my credit profile. I spoke to XXXX, ID XXXX, on XX/XX/XXXX. He was in the " escalation department '' and stated that it could be removed, after I explained what happen, and then back tracked and said, " well it has to go through our credit bureau department to see if it was an error on our end '' I advised him that on 2 recorded calls with LoanCare, Informative Research, and the processor from the company doing his current refinance, the agents advised Informative Research that they would show the payment as current due to the internal error, however, they can do nothing about the 1x30 derogatory. I am beyond shocked that LoanCare could conduct themselves in this manner, that is unfair, unlawful, to the 3rd degree. Reviews on several sites, including social media, have prompted me to write this to Business Oversight, to bring awareness and put them in regulatory radar from all the regulatory watch dogs. How can a business keep operating in a very suspicious unlawful manner. I am in the process of refinancing to better my home for my children and I, I am a single father. I want to improve the life of my children, protect my job, and move on, however this one 1x30 late is a wrench in the fair pursuit of a better life. Loan Cares has purposely avoided this issue.. I demand they remove this 1x30 derogatory mark. My record shows I have not missed any payments and I am not going to sit on my laurels for their mistake. Please help me to get resolution for their mistake!

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 2021-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have problem with chime bank A unauthorized transaction made to my debit card and i didnt notice right away. Now on XX/XX/21 i filed a dispute telling them that the transaction unauthorized or fraud charge {$1500.00} but my claim was denied base on research no error Case close even my account was close My debit card info was compromise or stolen Claim id XXXX Date error reported XX/XX/21 Claim amount {$1500.00} Chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a letter from Credit Bureau stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure Credit Bureau that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. 

1. The wrong amount is being reported XXXX XXXX XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Wrong date of opening is being reported. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Hi my name is XXXX XXXX. I love American Express. I filed the complaint to CFPB on XX/XX/21, and the response letter is attached. 

Here is the story : I applied for the AMEX platinum card on XX/XX/21 with signup bonus as XXXX for {$5000.00} spending plus XXXX for grocery and gas stations in the first 6 months for up to XXXX XXXX dollars ( screenshot evidence attached ). Over the past 6 months, I only received 1 point per dollar for the {$14000.00} grocery and gas spendings I made but not the extra 9 points per dollar. In total, AMEX owes me XXXX points by promise. 

The previous CFPB complaint ended up with a response letter which I completely disagree with. First, the sign-up bonus was confirmed with an AMEX online chat agent on XX/XX/21 ( screenshot evidence attached ). Second, the letter stated that there was a pop up window denied my eligibility of welcomes bonus, which I swear to XXXX there was none. I would NEVER proceed the application if I saw any, just because I am a normal person and I am not XXXX  or XXXX. Third, part of the welcome bonus ( XXXX bonus ) was actually issued after {$5000.00} spending requirement was met, making words in the letter against its own. 

I deeply believe I was tricked by a failure in the IT system which the IT department in AMEX was not aware of. I feel so bad to be penalized so hardly when I did nothing wrong. If AMEX can not honor the offer it was promised, I may need to further report to the Office of the Commissioner of Financial Regulation in the State of Maryland in order to get a full investigation to probe into the misleading marketing and false promotion issues. 

Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Telerecovery Corporation
State: LA

Complaint narrative:
this is for apartment I live at in XXXX ... didn't receive anything until XXXX when it appear on my credit report. I have called the company numerous of times to validate the debt. I yet to receive anything. XXXX of XXXX in the middle of a pandemic the collection agency call to say I'm being Sued and I have 30 days to comply.

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 2021-07-09 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: TX

Complaint narrative:
On XX/XX/2021 a down payment was taken from my account for a vehicle in the amount of XXXX, I returned the vehicle within the same day because of issues I experienced with the vehicle upon driving off of the sales lot and was promised a refund from the merchant, the merchant never refunded the money that taken for the down payment on the vehicle. 

I filed a claim with the bank explaining the situation. The bank has denied my claim stating that they have proof that the charge was valid for the sale of a car although the merchant was in possession of the vehicle last.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed for XXXX dollars on the offer up using XXXX payment service and now the bank will not help me get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both TransUnion and XXXX XXXXonsumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on 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