vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/2020 {$280.00} These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner.

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 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I leased a rental unit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They imposed a MANDATORY rental ( insurance ) bond that had to be paid by me ( tenant ) in addition to a full {$1200.00} security deposit ( one month 's rent ). The rental bond was purchased through XXXX for {$350.00} and it's purpose ( as told to tenants ) is to protect us and so XXXX XXXX can be reimbursed through the bond in the event that I did not fulfill my lease or damaged property. I was told if a claim is filed and paid XXXX would seek reimbursement from me prior to forwarding to a collection agency. My lease ran from XX/XX/XXXX - XX/XX/XXXX. I moved out XX/XX/XXXX XXXX XXXX XXXX after providing a 30 day notice. Due to XXXX  - family members lost housing and landed on my doorstep. Management confirmed it would be a violation of my lease for them to stay at my apartment so I had no choice but to lease a bigger rental space. 

I moved on a weekend. There was only an assistant in the office who stated I would receive my ending balance or refund due in the mail. I was expecting a refund since the apartment was left in mint condition ( I have video ) and I would only owe pro-rated rent for my XXXX  days in XXXX. In XX/XX/XXXX, I discovered a collection for {$3400.00} on my credit report. My complaint today is for the following reasons : 1. Property failed to contact me or mail/send a Notice of outstanding balance due. They were provided with my forwarding address. 

2. The required claim was never submitted to XXXX to recover outstanding balance. The property was legally obligated to file a claim for any balances owed otherwise why mandate tenants buy the bond. 

3. The outstanding balance was sent to a collection agency/reported to all credit bureaus without allowing me the opportunity to be made aware of, pay or dispute the alleged balance. 

4. XXXX XXXX charged an unfair and excessive " Late Notice Fee '' of {$2400.00} as a fraudulent attempt to keep security deposit ( lease requires 60 day notice ). Pro-rated rent and utility totaled approx. {$1000.00}. XXXX did not apply any of the {$1200.00} deposit paid towards the balance. My unit was immediately rented after my move-out so the late notice fee charged is not justifiable. 

5. XXXX XXXX mandate tenants purchase these rental bonds for their protection in case of lease breach or default but do not file claims because it results in a kickbacks/profits for the property if minimum claims are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MN

Complaint narrative:
Tengo una queja contra la compaa Enhanced Recovery Company recientemente saqu una copia de mi informe de crdito y not que haba un cobro de su agencia en mi informe de crdito. Nunca fui notificada

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My wallet was stolen by someone I used to live with. He fraudulently used my XXXX  Driver 's License and Wells Fargo Credit Card at XXXX XXXX XXXX to cash advance {$6200.00}. It was used for four separate transactions at the casino. XX/XX/21 for {$310.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$2500.00}. 

I filed a police report and I have a detective on the case. I have messages from the person who took my wallet as well as other evidence to support my case. After getting denied multiple times from Wells Fargo Credit Card Claims, I have gotten in touch with the casino myself and have found out that Wells Fargo Credit Card Claims lied about reaching out to the casino to get video surveillance footage. 

Wells Fargo has been denying my case for the last XXXX  months with one blanket response, " the casino verified my identity because my driver 's license was presented. '' They have ignored all evidence I have sent them, they have lied about reaching out to the casino themselves, and they haven't reached out to the detective regarding the case. 
I talked to the head of security at XXXX. He said they would never tell a bank to reject a case because of an identity verification. Protocol is to have the person whos card and identity was stolen to file a police report and have the police reach out to the casino. Which I have now done. 

The charges have increased to over {$7000.00} now because of cash advance fees. My credit score has been ruined. This is all because of unfair mistreatment from Wells Fargo Credit Card Claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX  XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BAM Management US Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I purchased crypto currency with USD in a total amount of {$220.00}. I still have not received the crytpo currency since that exchange was initiated. I promptly contacted support about the issue, but I still do not have a resolution and have also not heard back from them for months now. XX/XX/XXXX was the last time I have heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$810.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX {$550.00} XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Date Opened : XX/XX/XXXX XXXX FUNDING ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} XXXX XXXX {$0.00}

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 2021-12-08 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: IL

Complaint narrative:
Hey, I was taken advantage of, due to malpractice, while several laws under the XXXX were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AL

Complaint narrative:
-ENHANCED RECOVERY, XXXX XXXX {$750.00} Called at XXXX got a virtual agent, XXXX, XXXX transferred to an actual agent now at XXXX got XXXX. Being transferred to her manager who will be able to help us at XXXX got XXXX XXXX. Called to offer a payment in exchange for this being removed from my credit as I never received written notification of it. I was then transferred to the escalation team at XXXX. Got XXXX XXXX at XXXX XXXX XXXX, told me during this call that all letters were sent to my previous address, XX/XX/2020, XX/XX/2020, XX/XX/2020 were the dates the letters were sent to an address I havent lived at in years. I let XXXX know that none of these letters ever made it to me and tried once again to pay the debt if they would remove it, as they failed to send written notification to the correct address. I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I tried reaching out to this Bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: BTH Management
State: NC

Complaint narrative:
this is against plaza services LLC. ive emailed them multiple times and called them. they refuse to return many of my emails. theyve only answered their phone once whenever i called and have only answered a few emails. i tried sending them emails to settle the account with a settlement amount but to no avail. i want this off of my credit report and they refuse to work with me. how can i work with them if they never answer the phones or emails. willl be contacting NC DOJ soon about this matter if they dont comply

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I received another attempt to collect a debt which they can not validate. They sent a contract on XX/XX/XXXX dated XX/XX/XXXX that is unsigned. Nobody has provided evidence that I agreed to repay the price of a phone that XXXX provided free of charge. In fact, the bills provided show that the cost of the phone was waived in every billing cycle. Providing a bill or an unsigned contract does not validate that I agree dto a debt. The collections agent argued that the terms of service mean I agreedd. The terms of service I signed when I started with XXXX in XXXX do not mean that I agreed to every document they [ put into my account. There has been no evidence provided by XXXX or RPM evidencing that I agreed to repay the full price of the telephone should I discontinue service. Still waiting on a signed agreement for validation. An unsigned mortgage document would not constitute validation of debt. Unsigned " contract '' document provided for validation is attached here.

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 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
We fell past due on our loan since XX/XX/XXXX due to health issues and loss of wages. I informed Selene Finance of my struggles and continued to apply for mortgage assistance ( Loan Modification ) Each time I would apply my Loan Modification request would get denied for various reasons causing me to fall more behind and required to submit all documents again. 

Most recent I applied for assistance on XX/XX/XXXX and received a letter from Selene stating I was under review for assistance and they would have an answer by XX/XX/XXXX Since being under review since XX/XX/XXXX Selene finance had a set Foreclosure date on my home scheduled to be auctioned off for XX/XX/XXXX @ XXXX. After many times advising Selene Finance to remove the foreclosure date due to being reviewed for assistance they refused. 

Selene Finance- is direct violation of Dual Tracking as they refused to stop the sale date of my home while under review for home retentions options. And after speaking to the Trustee handling the foreclosure they advised me the sale date was going to happen as they had no instructions to postpone. As of today I have not received a denial letter or 30 day window to appeal the denial as allowed. They foreclosed on my Home!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Early in XXXX ( probably in between XXXX XXXX XXXX Someone got into my PayPal account and added a debit card/credit card XXXX in XXXX expiration on XX/XX/25 ( VISA CARD ) with the billing address of XXXX XXXX XXXX, XXXX, NY XXXX as a payee- ( which is NOT my address ) On XX/XX/XXXX and XX/XX/XXXX, they transferred money many times until they emptied my account completely ( in a course of a few days ). 
XX/XX/XXXX - {$850.00}, {$870.00}, {$890.00}, {$950.00}, {$850.00} XX/XX/XXXX - {$830.00}, {$830.00}, {$800.00} TOTAL amount of {$5900.00} USD I contacted Paypal as soon as I saw it and they said it was authorized ( but I obviously didn't ). 
I opened an investigation with them which they concluded that it WAS authorized even though it wasn't. 

I am really upset. 

I never in my history with PayPal, I transferred those amounts on the same day like that. 
I don't have this debit card they added, nor I am not familiar with the address they used. 

THIS IS 100 % fraud and PayPal needs to take full responsibility on this matter! 

ALSO - On XX/XX/XXXX someone random ( XXXX XXXX ) deposited my PayPal account {$1700.00}. And then withdrawn it back in the amount of {$1800.00}!! 

I don't know the guy and they took MORE money than they originally deposited - I don't understand this at all! 

Something is connected somehow!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 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: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2021 XX/XX/2021 On these dates {$36.00} overdraft fee on unauthorized items. I asked to have it disputed. I was told by the bank ( regions bank ) they would close my debit card and issue a new one They wouldn't dispute or investigate 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 2021-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made a purchase from the company XXXX on XX/XX/XXXX. Payment was using Paypal, and my credit card via paypal. 

I ended up returning the entire order back to XXXX, and provided tracking information to paypal. Paypal originally ruled in my favor, and then reversed their decision for no reason. 

" Add money to resolve your negative balance. 

- {$6700.00} '' All of this happened in XXXX. 

Now I received a message from PayPal saying they are transferring my ( falsely ) negative balance to a debt collection agency, XXXX today XX/XX/XXXX. 

This is unacceptable. I returned the products and should not have a negative balance on paypal. 

I demand a removal of the negative balance, removal of submission of my account to a debt collection agency, and recognition from Paypal that they have erred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: CT

Complaint narrative:
I do not owe XXXX XXXX or XXXX XXXXThe apartment complex incorrectly reported a balance when they sent me money they owed me along with a letter stating my balance for rent is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XX/XX/XXXX, I went to do some banking at CHASE Bank. I went in without a mask because I am mask exempt due to XXXX XXXX The Manager threatened to call the cops on me for not wearing the face covering and said he hoped to see me get arrested. This Manager then threatened to close my accounts down. I called XXXX to file a complaint and was connected with the Manager of the Manager I was filing a complaint against and was told that I must wear a mask in the bank even if I was exempt from doing so and that he was not going to reprimand the employee who threatened me. 
Weeks later, I discovered that both my checking and savings accounts were frozen. I was not allowed access to either of my accounts. Upon calling someone down at this bank, I was told I was trespassed from the property although I had never been told so nor contacted about such either. I was then told even though I was trespassed, I could still come through the drive-thru to withdraw a {$1000.00} a day. I asked to have them release my funds so this whole ordeal could be over and done with and was told no. Then was told I could take out half of my funds but still have to leave the remaining half in the accounts. DOES ANY OF THIS MAKE SENSE!? Then they informed me that as of XX/XX/XXXX, any and all remaining balances would be made into a cashiers ' check and all of my funds would be sent to me via the mail. That is a savings account with {$19000.00} in it and a checking account with {$55000.00} in it. It is now XX/XX/XXXX and no such check has arrived in my mail box. Also, I was never informed about my accounts being frozen or closed via mail, email, or phone call. I never received a letter indicating my accounts were going to be terminated. 
This is a serious offense on their part including many different factors. My money is federally insured and secured and I need answers immediately. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
The process to request removal of PMI is purposely slow. I am now waiting to be notified of the initial appraisal date and this is a process that should take a total of 2 weeks. PHH sent the application to request XXXX appraisal 2 weeks after the initial request. Once the fee was sent to their PMI removal department, they cashed the check for the {$150.00} fee and sent nothing to me notifying an appraisal date or even that the request and fee was received. No email nor electronic notification was in my online account and when I called, the representative could tell me nothing about the process. I believe they are purposely stalling in order to keep this " fee '' and continue to bill me for something that should not have taken more than a month to remove. It's now a month later and I am still paying PMI, I have submitted an application/fee and I have no idea when or if the XXXX appraisal will happen to determine if they will remove PMI. I am sure I am eligible for PMI removal since I have new flooring throughout and I have a full kitchen remodel since I obtained my mortgage a little over 2 years ago. A representative ( XXXX XXXX XXXX took all this information and said that he did not have an ETA on a resolution and he did not know when he would receive a response from the PMI department. With the holidays coming up, I doubt I will see movement on this until after the new year

Company response to consumer: Closed with explanation