vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: HI

Complaint narrative:
I bought a house in XXXX XXXX Hawaii in XXXX, XXXX. The mortgage broker, XXXX, placed the loan with XXXX but agreed to handle the escrow accounts. Over the first year, XXXX paid my hazard insurance and property taxes and added a monthly amount to my mortgage payment so that the policy and property taxes could be paid out of escrow the next time they came due. 

In XXXX, XXXX, Servicemac LLC purchased my loan. XXXX and I took immediate steps to have the escrow accounts transferred to Servicemac. I spoke with XXXX staff weekly. I sent emails to Servicemac weekly in XXXX, XXXX, and XXXX. 

Servicemac sent me warnings every week that I had to produce proof of hazard insurance. Obviously, since Servicemac had the funds I placed in escrow for the purchase of hazard insurance, it was not my obligation to purchase hazard insurance. On at least 6 occasions, I told Servicemac this and gave them the name of my hazard insurer and a copy of the policy that had been in force during XXXX. 

On XX/XX/XXXX, I received a " Notice of Lender Placed Hazard Insurance '' from Servicemac. The premium is more than twice what was due XXXX XXXX. I have sent more letters to Servicemac, but at this point, it is clear to me that Servicemac simply refuses to acknowledge its legal duties. I am willing to guess that it does this with a substantial number of the loans it purchases, insisting on the benefits of the contract but denying the obligations.

I want CFPB to fine and otherwise punish Servicemac, up to and including revocation of its license to participate in federal mortgage lending activities.

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 2021-03-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on my credit file. I was very confused as this account has been paid for a very long time. However, Mountain Land Collections continues to report a balance. I ask that you delete this account from my credit file. I will also make you aware that reporting inaccurate information on credit could constitute fraud under both federal and state law. I ask that you provide me with a deletion letter as this account is reporting erroneously and this debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
I'm am banking with Chime Bank in the general I get notification on any new deposits made to my account. On three occasions Chime falsely stated that a refund amounts from to my accounts and never actually gave issue the amount to my account. On those 3 occasions I did never gotten deposit alert or the money back. The first was on XX/XX/XXXX XXXX XXXX refund me {$150.00} i never got it. I called chime and complain after speaking Village Green I saw the post history saying it was there but it was not was actually there was my paycheck the additional {$150.00} that should have been there wasn't.The 2nd was on XX/XX/XXXX Chime post in my history after a month has passed that I received the {$10.00} deposit from XXXX Cash didn't got an deposit alert for or saw it.The only thing I saw an got a notification on was the {$110.00} I had deposited. The 3rd was the {$25.00} purchased on XXXX was issued back to me on the XX/XX/XXXX and sent me an email confirmation that they issued the {$25.00} I called Chime XX/XX/XXXX. The Chime Bank rep I spoke to said they had received funds they just had not yet been released it to my account. Today XXXX XXXX I called Chime again that gave me run a around now I am just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX XXXX and Trans Union credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,

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 2021-03-26 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: MN

Complaint narrative:
The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent accounts and is the result of identity theft : Collection Account : XXXX XXXX, XX/XX/XXXX, {$220.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Account : XXXXXXXX XXXX XXXXXXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery is a third party company that brought the debt from XXXX XXXXXXXX. The XXXX XXXXXXXX credit card limit was XXXX. This information was reported to XXXX and XXXX and the information is online at XXXX XXXX. All 3 creditors on my credit report stated the credit balance was XXXX. I had made several attempts to try to resolved the issue. However, portfolio recovery is making it very hard. They are using information that was reported inaccurately. Information from XXXX XXXX and my free credit report will be attached to this report. The credit card was opened on XX/XX/XXXX in which the writer highest amount charged was XXXX this is why the writer offered to pay XXXX because late fees. The credit card was closed on XX/XX/XXXX. This credit card is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my accounts for no reason and will not help me getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used paypal quite frequently. My email linked to my paypal is XXXX. Please help me to restore my account. I need them for my moms therapy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
A fraudulent transaction of {$68.00} was initially charged to my credit card on XX/XX/2021 to Delivery.co.uk which is a food delivery service in XXXX XXXX. I would never order any service from them since I live in XXXX, California and they only deliver food to customers in XXXX XXXX. The credit card company noticed this to be a questionable transaction and so it sent me a text message asking me if I authorized that transaction. I immediately replied NO and so they told me that they would block the transaction. So then I canceled the card and ordered a replacement card suspecting someone got a hold of my credit card number. I contacted Delivery.co.uk and they told me that they told me that they never made that transaction nor do they have any records of me or my credit card number in any of their databases. 

To my surprise, the next day ( XX/XX/2021 ), not only did the transaction still show up in the transaction list in their mobile app, but the amount changed from {$68.00} to {$96.00}, which should have been impossible since they already texted me that they blocked the transaction. Furthermore, I canceled the card the previous day so the card shouldn't have even worked. Then it changed again on XX/XX/XXXX to {$95.00}. That's when I finally realized that it was the credit card company itself that was making these fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I reported suspected fraudulent activity in the form of a monthly transfer of about {$200.00} to {$300.00}, by a former roommate. The email, phone number and security question associated with the account might have been changed as well, precluding me from giving the proper responses. I have been handled and treated as if I were the fraudster. I've offered to send copies of my identification but instead was asked to contact CA EDD to obtain a benefits assessment letter ( I presume verification letter ). It took me nearly a week to get a hold of a live rep at EDD, who informed me no such thing existed and further EDD did not write letters upon request to anyone not even our financial services provider. On XX/XX/XXXX I contacted BofA a second time and was advised to contact EDD to gain access to my funds. EDD informed me that no ability to accomplish this and I would need to ask BofA. Today, XX/XX/XXXX, I phoned BofA a third time and was told I needed to contact EDD and ask them to somehow arrange the release of funds that BofA had frozen. When I asked who was the federal or state regulator of BofA the rep pretended to misunderstand the question at first. Upon being pressed she pretended not to understand the concept of a bank regulator. Eventually she offered the name, XXXX XXXX ( BofA Chairman ), as regulator. I asked repeatedly if the bank was regulated by the Office of the Comptroller of the Currency or the FDIC. I was then directed towards The Fed ( which I know is not an ngo ). I am unable to access approx {$1300.00} which I need to pay past due rent. This was the 3rd transfer ( and 45 min of holding ) and may have been the Risk Dept. After the second call the account moved from frozen to closed.

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 2021-03-26 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: LEXISNEXIS
State: CA

Complaint narrative:
I received my credit report from XXXX yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : Lexis Nexis Consumer Center XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NJ

Complaint narrative:
Regarding XXXX Closed account - Company has not provided accurate information on my credit report. I have reach out multiple times. The company has not investigated and has only updated and changed dates. last activity date is inaccurate, closed date is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : NATIONAL ENTERPRISE SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a debt collection on my credit report for about {$49000.00}. I have disputed this over and over for the past 4 years and every time it gets sold to a new debt collection agency, I have to do this same song and dance. I have already contacted the agency and they informed me that they have advised all the reporting agencies to remove this debt. I am attaching the letter from the agency. I have already tried disputing online and via mail with Transunion and they refuse to remove this debt. 

This is negatively impacting my ability to receive loans and apply for employment. I need this handled ASAP.

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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
The company name, XXXX XXXX XXXX its a robocall whom of which i have no idea what there calling for. They call almost everyday and its very inconvenient. And sometimes very disruptive. I believe they are calling for someone whom is deceased, and i can not help them with what they are calling for. I need them to please stop and lose my number, they are calling. Private home phone and being very disruptive. I personally dont do any business with chase,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In early XX/XX/2021, Chase bank to an action to end their relationship with me and my accounts and refused to provide a reason. They canceled all my credit cards, they sent a note that they will be closing my Checking and Savings account on XX/XX/2021, and they put a halt to my brokerage account activity and followed up with a letter notifying me that this account, including my IRAs will be closed in early XXXX and to begin transferring the funds out of the Bank. I have tried to contact chase on many levels including local branch and XXXX XXXX numbers and can not get an answer at all to the cause. I am not opening an account at a different bank with no issues. I can't understand why the bank would all of the sudden close all of my accounts with no reason provide. 
Chase Bank did say that my auto loan and mortgage loan are fine and can stay. 
There has to be a reason for Chase to close all of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
On XX/XX/2021. I reveived my third stimulus payment in the amount of {$4200.00} to my bank account with XXXX XXXX XXXX. Within 2 hours there were two unauthorized transactions on my account in the amount of {$2000.00} per transaction totaling {$4000.00}. It was sent through the banks service called Current Pay, which is a peer to peer money sending service. I have banked with Current for 2 years and have never known this service existed nor have lever utilized this service. I never received a notification, email, or even a flag asking if these transactions were authorized. I saw that somehow contact was added to my Current Pay service in the name of " XXXX '' ( XXXX XXXX ). I have no idea who this person is or how they were added to my contacts or were able to access my account and send themselves the {$4.00}. I immediately contacted Current through chat because their phones are not on now to dispute the charges and was pretty much called a liar, and told they refuse to dispute. I've since contacted them 5 additional times and they repeatedly accuse me of having knowledge of these transactions and continue to refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have repeatedly disputed two accounts for the past few months and no action has been taken on their end to resolve or dissolve this issue. It has caused so much stress and worry in my life due to the negative impact it has had which disqualifies me for many things. As as single mother to XXXX boys ( who recently lost their father ) I am running low on time to continuously battle this fight. 

The two accounts I have bee disputing is with XXXX XXXX as well as XXXX XXXX, both with the same lender. 

The amount reflected on my credit for XXXX XXXX as a charge off is : {$1800.00}. 

Amount reflected on my credit for XXXX XXXX is : {$3300.00} I have disputed these accounts countless times and although the companies/lender can not provide proof of my responsibility they remain on my credit file. 

Kindly assist me with this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Multiple attempts have been made to correct issues with this company. The XXXX account is reflecting inaccurate last activity date.

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 2021-03-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple attempts made to correct a problem with the XXXX Account. Company continues to update information without accurately notating account. The Closing date is inaccurate, the last activity date is inaccurate.

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