vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I received a collection letter from XXXX XXXX XXXX on behalf of the Bureaus Investment Group Portfolio No 15 LLC. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from XXXX XXXX for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the XXXX number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Professional Datasolutions, Inc.
State: TN

Complaint narrative:
Here is the third letter that I have written to Zipline. It explains the situation. I also wrote XXXX and asked for their assisantance in resolving this matter too. 

This is the third letter I have written you and have not received any response. I know you received my letter because you cashed the enclosed check. When you cashed the check on XX/XX/19, I assumed that the matter was resolved. I was surprised to get a call a few days later from XXXX saying I still owed {$80.00}. I told them that I resolved the matter with Zipline and they cashed the check to put my account back on good standing. They said that it was only a partial payment. I asked them to call you but they refused. 

As you may recall, I was a victim of XXXX. I had to temporarily freeze the account until I resolved the issue. I worked with XXXX XXXX and the got all the transactions resolved except one. You can imagine the work involved in reviewing all your transactions and calling the companies to get them resolved. They all understood and waivered any fees associated with the freeze on the account and reprocessed the transactions. 

Zipline was the only outstanding issue I needed to resolve. I was relieved to see that you cashed the check and consented to waiver the fees as per my letter and instructions. When I looked deeper into the check and saw that you altered the check by adding their name to the Payee field. The check was made out to Zipline and you added XXXX. I dont believe this is legal and certainly not ethical. I have tried to resolve this issue in good faith but have been unable to. You have not responded to my letters. 

At this point, I believe we need to go to arbitration. I dont want to do this but based on your lack of response, I dont see any way forward. I am a XXXX XXXX and can not afford any cost arbitration costs. Please inform me of the next steps. 

My account number is XXXX. My reward card number XXXX. Being a victim of XXXX is not fun and I am hoping you will work with me to conclude 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 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MA

Complaint narrative:
Offered DIL as part of bankruptcy. I NEED NEW COVID-19 PROTECTION EXTENSION announced by President Biden to XX/XX/2021. 
Original loan signed by this complanent was XXXX XXXX XXXX backed loan. 
Current lender ( loan sold at least a dozen times WITHOUT notification to this debtor ). 
Current mortgage instrument is on file with the XXXX County Reg of Deeds on paperwork that has the XXXX XXXX XXXX logo on paperwork. If it is not a federally protected loan then the mortgage is misrepresentation, fraudulent paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX and A Auto Loan from XXXX XXXX was opened in XX/XX/XXXX both accounts has reported as bad debt on XXXX and XXXX of XXXX. I have seen that these accounts show as bad debt on my credit report and I have Mailed letters to Experian to Verify the Inaccuracies and ownership of this debt and I have not received a response back via Mail from Experian in 30 days.

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 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
My son XXXX XXXX lives with his father and grandmother for the last 8 years. His father had custody of him at that time. He is XXXX now and lives with me .Upon the time he lived with his father he was XXXX and taken to the hospital. There are hospital bill being charged to me instead of his father XXXX XXXX who live in XXXX XXXX. 
The medical bill is from XXXX XXXX. 
I live in Georgia for over 10 years. 
I explained this to Phoenix financial XXXX  over and over again., it's even documented. 
They continue to call several times a day and sent several letters. 
I have tried to communicate with his father and grandmother and was advised it is me problem. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
I am disputing a fee on my credit card dated XX/XX/XXXX in the amount of {$500.00} by the merchant QuickenLoans/RocketMortgage. This charge represents a good faith deposit for a mortgage application. The loan number is : XXXX. 
Quicken Loans knew or should have known that my loan application would never be approved. Therefore, it never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. RocketMortgages/QuickenLoans action constitute deceptive trade practices and I am entitled to a full refund. 
My profession is a XXXX XXXX XXXX I currently own 7 properties. I have applied for mortgages to purchase properties and mortgages to refinance properties numerous times in my 25 year career. I am very well versed in the process. 
I applied with RocketMortgages /Quicken Loans to refinance an existing mortgage. I completed the online application forms and I spoke at length with XXXX XXXX XXXX ( XXXX XXXX ) at RocketMortgages. 
I informed XXXX that I was a XXXX XXXX XXXX, that much of my income is derived from rental properties and that several of my rental properties were short-term rentals ( i.e. AirBnB, VRBO, etc. ). He assured me that this would not be an issue. I discussed this in great detail with him because I know from past experience that every lender treats rental income and self-employment income differently. Again, I was assured by XXXX that this would not be a problem. 
Having received those assurances from XXXX, I agreed to the good faith deposit of {$500.00} and to proceed with the application process. However, it is clear that RocketMortgages/QuickenLoans did not proceed in good faith. They knew or they should have known that they would not be able to approve my loan because of my self-employment and investment income. 
Subsequently, my loan application was denied because Debt to Income : Self Employed Income not supported. ( see attached letter from QuickenLoans dated XX/XX/XXXX ). 
It is my position that RocketMortgages/QuickenLoans knew or should have known that my loan application would not be approved because of my income source. Their actions constitute deceptive trade practices. They never should have proceeded and I would not have in good faith agreed to the initial {$500.00} charge. Therefore, I am due a refund of the {$500.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
This account was openedXXXX. The amount was XXXX with rmp lol. I have called and also disputed these actions. This was opened due to a car accident. I had insurance to cover me through try care and XXXX XXXX XXXX. They refuse to send the bill to the right entity 's and repeatedly told me that it's to late to do that. And that it's now my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In my opinion the great scam continues. While we have a negative on our report we HENCE THE DISPUTE IS SLANTED IN FAVOR OR THE LENDER [ ALWAYS ] DO YOU REALL THINK THIS COMPANY GIVES A XXXX ABOUT EOPLE- MERELY OPINION.. THE FACT IS WE WERE MAKING PAYMENT ARRANGEMENTS WITH THE BANK.. I WENT INTO THE HOSPITAL FOR A MONTH WITH XXXX  XXXX XXXX AND XXXX XXXX AND WHEN i CAME OUT THE VEHICLE HAD ALREADY BEEN TAKEN.ANOTHER FINE EXAMPLE OF WE ARE HERE TO HELP DURING THESE DIFFICULT TIMES.yea right! So I can not access or use any of the so called avenues they claim to provide.to add to or modig=fy the dispute. Another FACT they conveniently ignore in Washington, the CFPB and Credit reporting agencies = need a laugh here is some more fact 1 Dial XXXX to call the Experian corporate office. Experian doesnt technically have a customer support department, and the number listed on their website for customer service is simply an automated system for victim assistance. If you want to speak with a person, you can get personal assistance by dialing the Experian corporate office and getting redirected after their automated system cant find your information. [ 1 ] The automated system will fail to find your information even when you enter it correctly, so dont hang up or get frustrated if the menu prompts fail to identify you. 
This number will help you reach someone to assist you with your questions or concerns, but it is advertised on their corporate website as their office number. 
The corporate office is available Monday through Friday from XXXX XXXX to XXXX XXXX PST.

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 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: FL

Complaint narrative:
Please see below, this is what is appearing on my credit report. I have disputed it with XXXX  a couple of times without luck. 


PRINCE PARKER AND ASSOCA Last reported XX/XX/2021 {$160.00} Open balance 11 XXXX XXXX Original creditor Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Paid in full +25 pt Settled for less +21 pt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Rent Recovery Solutions
State: CT

Complaint narrative:
I entered into a lease agreement with the leasing company, XXXX XXXX on XX/XX/XXXX with my roommate for an apartment lease of 18 months. 

On XX/XX/XXXX, I vacated the property due to XXXX XXXX and returned one week later on XX/XX/XXXX to remove my belongings. 

That same day, I informed XXXX XXXX that I wanted to terminate the lease agreement. They refused even though I informed them I was moving due to feeling unsafe in the apartment. They witnessed first-hand the heightened tensions as I was moving out and suggested that I call the police. XXXX XXXX insisted that in order to terminate the lease, my roommate would also have to agree to termination and move out or take over the lease himself - both of which he refused to do. 

Previously, XXXX XXXX were notified by animal control/police that my roommate had been seen acting violently towards my dog on their property, which resulted in animal control removing my dog. 

On XX/XX/XXXX, I notified XXXX XXXX, that I was moving out of the property and gave them 33 days ' notice. I agreed to pay rent for the full month of XX/XX/XXXX. During this time my roommate still refused to move out or take over the lease. 

I attempted to resolve the situation amicably with XXXX XXXX from the date I moved out until XX/XX/XXXX but was not successful and received threats of legal action and court filings. 

Distressed, I contacted a XXXX XXXX  counselor for XXXX counselling. During these sessions I was informed that under federal and CT state law, lease agreements can be terminated under XXXX XXXX situations. My councilor sent a letter to XXXX XXXX iterating this, which they received on XX/XX/XXXX. 

I was informed by XXXX XXXX that my roommate eventually moved out on XX/XX/XXXX. 

My roommate and I received a final bill of {$4500.00} from XXXX XXXX on XX/XX/XXXX. This is the bill I am contesting ; -It itemized fees, rent ( up until the time my roommate moved out ), attorney 's fees, notice to quit and Marshall served summons on my roommate and a separate utility 's bill of {$69.00}. 
-I should not be liable, or made responsible for these fees as I had already moved out and my roommate was the only person living in the apartment. 

As further evidence, please find enclosed email correspondence and a copy of the letter from my XXXX  XXXX councilor as supporting documents to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I am President of XXXX XXXX XXXX XXXX XXXX in XXXX MD. We closed a loan for clients, last name XXXX, on XX/XX/XXXX. A refinance it should disburse on XX/XX/XXXX. We called loandepot on XX/XX/XXXX asked where was our wire. They gave several excuses but no wire. We called and emailed starting on XX/XX/XXXX and XX/XX/XXXX but to no avail. Today is XX/XX/XXXX and we still do not have the wire. 

I can be reached at XXXX XXXX XXXX or at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I received a check in the amount of {$1700.00} for an item that I was selling. I deposited the check on XX/XX/21, waiting for it to clear from " pending '' so that I knew it was in my account. When it cleared the next day as shown on the PNC app, I sent a part of the check to movers on XX/XX/21. The check bounced a few days later on XX/XX/21. 

I called the institution to argue that according to the app, they had released the money into my account without checking for the fictitious check. They said nothing could be done. 

The bank has a system that told me the funds were not " pending ''. The representative told me the check takes longer to verify than the date the funds get released into my account. Why is there such a discrepancy and why even have the word " pending '' then?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have loan with new rez LLc, and in XX/XX/XXXX they asked me to pay XXXX USD but in XXXX they took XXXX USD. I have no idea why did they increased money on my mortgage and also reported same money to credit buero. 

I tried calling them every month and they said they will send escrow analysis but they nevr send neither they clarified why they increased XXXX dollar per month without any notice. the customer services only said its company policy and now its XXXX end XXXX and i still pay higher mortgage. it all happened without my consent or agreement as a result i lost two things - first my monthly house hold bill increased to XXXX 2nd my next mortgage capacity limit is reduced to XXXX as XXXX increased in monthly loan with my good credit rating will reduce my borrow limit of XXXX. 

as per current market rates where builder increasing their seller price up to XXXX XXXX every month. I could find myself in suitable situation to get a good bowering capaicity as builder is increasing property rates. 

I need concerned authority to take care my money and time loss due to negligence of new rez company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Pay Pal set up a policies to communicate them with issues of the account that I possess with them which make it extremely difficult to contact them with issues on the account, In doing so paypal is in violation of regulations involving consumer fraud and disputes in Transactions. 

Pay Pal is also in violation of the American XXXX  act as they are making their site extremely difficult to use by using endless prompts and loops to contact them that lead either to useless information or to automatically hanging up on their clients. 

They are maintaining their positions by using their monopolies on financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital one refuses to let me pay my auto loan any other way besides calling in and a representative taking the payment. This hasn't been an issue really till yesterday XX/XX/XXXX when I tried to call jn all day to make a payment. My due date isXX/XX/XXXX and I am already struggling and past due so I really was stressed about my payment not being processed yesterday. 

I call repeatedly yesterday from XXXX Est to XXXX est and it would pick up with the automated lady then go to peep peep after she said " welcome to capital one ''. 

Capital one calls me at least 3 times a day which i know my account is past due but when they call over and over then I can't even get through to them to make a payment it is not acceptable. I should be able to at least make a debit payment online or they should have a email center for issues. Especially technical issues like I experienced yesterday. 


Today when I talked to a rep they didn't know anything about it just could say the lines were probably busy. I lost sleep over not getting a payment in due to my past due balance already.

Company response to consumer: Closed with non-monetary relief