vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
on XXXX XXXX, i sent a letter to lvnv funding, llc requesting validation of the alleged debt they say i owe.it was sent off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and it was Delivered : Fri, XX/XX/XXXX, XXXX XXXX.they have not responed to me within 30 days and therefore this unverified item must be deleted before i consult my attorney.LVNV FUNDING XXXX LLC sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$820.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, LVNV FUNDING, LLC has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I have a VA backed home loan with XXXX XXXX XXXX XXXX  dba Loan Depot that I sought forbearance from under the Cares Act. I ended my forbearance and started making payments again XX/XX/XXXX. I have made 3 payments to fulfill the start of a loan modification for the missed payments. Under the Cares Act stipulations, Loan Depot illegally reported this account as past due to all 3 credit bureaus for both my wife and I dropping my XXXX score to XXXX and hers from the high 700 's to mid 500 's, as well. As a result, we have suffered 4 credit card closures, reduced limits on other credit lines, etc. I can not IRRRL the loan, now, because my credit score has been trashed. Now, they are coercing me to sign the modification paperwork by XX/XX/XXXX at a higher interest rate ( from 2.75 to 3.375 ) that I had previously paid points at the beginning of XXXX to get... about 4-6 months before applying for the forbearance. I am jammed between not being able to IRRRL the loan and being forced to sign a modification I can't really afford without enough time to get the credit reporting fixed and time to explore other avenues. I am in further debt from XXXX  & now, we are experiencing the XXXX  XXXX to make matters worse. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: CA

Complaint narrative:
Hello Im XXXX XXXX I worked for XXXX  They were sued for not paying employees right I won my case They sent me a XXXX XXXX  check Then deposited in chase account They locked my account for about two weeks for what they told me is because they couldnt find the phone number matching the Llc of the company I waited for the days they told me and my account Then would be unlocked and funds and check available But after the days I waited the check was then XXXX from my account bring my account balance to XXXX and now I can not pay my bills or any or my accounts for daily needs. This is almost the XXXX time chase has done this to me at the wrong times in my life and makes me have to ask friends and family for money having me look really bad and pathetic almost feeling hopeless not being able to get to the funds I worked hard and made plans with. Please help me I am young XXXX male leaving in XXXX XXXX and I cant keep making it with chase holding all my funds I work my XXXX off for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, TransUnion, and XXXX and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, XXXX, TransUnion have accounts back added as a reattach to my report once removed off

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 2021-09-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX, XXXX, and Experian and state that the credit companies are not complying with their own policies in a timely manner. 
I sent disputes to bureaus and collection charge off company XXXX XXXX XXXX XXXX XXXX XXXX these are the dates my letters went out and calls XXXX told me that my compliant was old but they received it and XXXX, Experian, XXXX have accounts back added as a reattach to my report once removed off

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 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased this card on XX/XX/XXXX. When I opened up a fraudulent bar code was actually activated. Please have this deactivated and a new card sent to 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 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Hello, It is my understanding that CD balancing should occur when the initial CD is released and preliminary fees are received from the title company to allow for both the lender and title co to address discrepancies. Taxes are paid in arrears in Texas, however, as of XX/XX/2021, the taxable value could have been determined by submitting a written request per the direction found on comptoller.texas.gov. 

With real estate taxes being a year behind in their collection, purchase transactions require the seller to provide a proration to the buyer towards future tax bills that will come due after closing, that will be the Buyers obligation to pay, but represent a period the seller owned the real estate. The SSP/title company that closed my loan provided the lender with a prorated amount due from the seller for taxes based on the previous years charge instead of the current year as outlined in the residential contract for my loan which was settled on XX/XX/2021. 

The escrow officer from the assigned SSP has informed me that any difference in prorations compared to the amount used at closing and the current year tax bill that comes out after closing is the responsibility of the buyer and the seller to collect from the other, and if the previous owners contact info is not on the contract I will need to go through the realtor as done prior to closing. Per RESPA, itemization and/or calculation of unpaid expenses due at closing is the responsibility of the SSP and creditor. 

The managing real estate broker responded to the inquiry citing the following - XX/XX/2021 - Once the new tax statement is released and you find out that there is indeed a shortage, any requests will be between the parties of the contract. Title and/or any Real Estate Brokerages are not a party to the contract therefore can not request on your behalf. However, I can definitely reach out to the agent who was involved and ask for the seller 's new address for you but that is all that the scope of my license will allow. Keep me in the loop when you get the updated taxes and I will be happy to reach out to XXXX again. 

I have been provided with information that does not align with the the regulations outlined in TILA/RESPA on more than one occasion during this transaction. I would be grateful if someone would review my inquiry and further clarify the rules provided in the real estate settlement agreement to determine if the aforementioned actions comply with CFPB regulations. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2021, I was victim of a fraudulent theft and my bank ( Bank of America ) refuses to protect me and take responsibility for this fraud. The thieves used a forged customer service line. I searched up on XXXX the XXXX Customer Service number to report an undelivered package. The first number that showed up on XXXX was the fraudulent number. A man, pretending to be an XXXX representative, told me that my package had been located in XXXX and they were going to get a new package sent to me as soon as possible. They said they would guide me how to fix the issue, so they had me download an app called XXXX on my phone. From then on, the scammers said that they needed to cancel the original transaction from my Bank of America App. Although I was skeptical, they kept repeating that " this is XXXX, we are a XXXX dollar company you have no reason not to trust us we just want to get your package back to you. '' This made sense to me because I indeed thought I was talking to XXXX XXXX XXXX, as that was the number that I dialed. Taking complete advantage of my emotional vulnerability at the moment, they made me go on XXXX and type in " codes '' that needed to be sent to this uniform bank of America account which was : @ XXXX. They had me do that twice, a transaction of {$990.00} and {$990.00} for a total of {$1900.00} that they stole from me. During the time this was happening, they also asked me that they needed my moms information because I told them she was the owner of the XXXX account. They tried calling from a different line than the one that was calling me but my mother didn't answer the phone. They quickly realized they were not going to able to scam her so they hung up the phone call as soon the transaction was complete.

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 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We already submitted a complaint. Complaint Number XXXX, but did not include the relevant documents. 

We could not see a way to add the documents to the Complaint we already filed, so are submitted a NEW complaint WITH the documents. 

Please see previous Complaint Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase bank uses XXXX XXXX, which using the scoring system of XXXX with XXXX. My XXXX XXXX credit score dropped 34 points and stated I used for the month of XXXX  83 % of my credit available, which is from my total credit for the month of XXXX. This is false and I have the receipts to prove it. I used 22 % of my credit line and XXXX XXXX using the reporting bureau XXXX using the XXXX scoring model is awful. I called Chase Bank in regards to the problem I have with this entity they are partnered with, and explained my frustrations. Chase Bank representative forwarded my call to a automated service with no luck. Called Chase again. I filed a verbal complaint. that the entity they are using has an oppressed algorithm. I was deferred to talk to XXXX. I called XXXX, XXXX rep informed me that they only use XXXX scoring and it will take 10-15 days to obtain a XXXX reading if I request one. I confirmed with XXXX, they only use XXXX scoring for their customers. So with this attempt to follow up with CHASE bank and contact XXXX XXXX, which has no contact phone number. I resorted to reporting both JP MORGAN CHASE BANK and XXXX XXXX. Reason for this complaint is that a CORPORATE BANK ( CHASE ) uses an oppressive scoring system with a fraudulent algorithm to suppress responsible patrons, who have CHASE BANK accounts from obtaining good credit scoring. I think it's irresponsible and controlling for a large corporate banking system to use a credit card entity, which oppresses responsible individuals from obtaining a good credit score that is earned with financially responsible means. Both CHASE bank and XXXX XXXX are responsible for this unsettling credit reporting flaw with a bias algorithm. I filed a verbal complaint with XXXX and CHASE Bank. If I use 22 % of your credit available and have 34 points subtracted from your credit score based on a false claim that 83 % of my credit has my used under the false pretense to OPPRESS a patron. That is morally wrong. 

I am reporting CREDIT JOURNEY AND CHASE BANK. This is absurd and inaccurate. 
I know my rights and if CHASE BANK doesn't address this oppressive credit score algorithm, I will take this to Federal Court and sue CHASE and XXXX XXXX for defamation of character and falsifying my credit report. People in the middle class do not get out of the middle class because of oppressive acts like this but I am not the middle class individual to accept such actions from a entity run by a rigged algorithm...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is my final warning against American Express! I have been harassed continuously after my cease and desist and denial of alleged debt which was received by American Express XX/XX/XXXX, proof attached below. American Express claims they validated the debt but all they did was send statements. They never sent the original contract with my signature. 

Furthermore, American Express committed several violations of 15 USC 1692e when they sent false representations to my address through attorneys/lawyers of XXXX XXXX XXXX XXXX 

American Express also violated 15 USC 1692e ( 8 ) as they have failed to record my debt as disputed which clearly warrants a lawsuit. Attached below is proof through a copy of my XXXX report. 

Attached below is my default notice to American Express, they can consider this as a final warning before me and my legal team take action and commence legal proceedings against American Express in Small Claims Court! 

These files have also mailed to American Express Executive Office via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Made a payment to my credit card USAA credit card using my XXXX account and the payment went to an account and then in XXXX. My credit card account number ends in XXXX. The payment came out of my XXXX checking account on XX/XX/2021 for {$99.00} I have documents to show where the payment came from and where the payment went to. Payments me to my credit card does not have a transaction ID a {$99.00} payment {$100.00} payment.Payment posted four times twice with the transaction number and twice without transaction ID number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: MD

Complaint narrative:
illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an XXXX  XXXX  XXXX  that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by XXXX  XXXX  XXXX. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the Experian credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) Experian verified and noted that with respect to XXXX Visa Account # XXXXthe Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. XXXX XXXX has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to XXXX XXXX falsely fraudulently claimed that it was Charged off by XXXX XXXX effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by Experian. 
XXXX XXXX XXXX XXXX XXXX {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}

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 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I didnt have these insurance policy on the date of XX/XX/XXXX with XXXX XXXX XXXX XXXX for the amount of {$3100.00} or XXXX XXXX XXXX for two other accounts for {$130.00} dated : XX/XX/XXXX and for {$330.00} dated : XX/XX/XXXXIve tried to resolve this matter last year with these companies and they replied these Accounts had been sent to Collections ( CCS Collections ) already and now out of there hands and they could not help me about this matter I tried to explain to the insurance agent maybe another family member Divorced husband ) May have opened this claim at XXXX  XXXX  & XXXX  XXXX  because Ive been divorced for 6 years and it definitely was not myself.I would like to make a complaint against these companies about these matters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation