vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc
State: TX

Complaint narrative:
I received a letter on Friday, XX/XX/XXXX from Lien Enforcement , Inc. stating we should mail a payment to Lien Enforcement , Inc., dba Lien Enforcement CA , Inc., XXXX XXXX XXXX XXXX, XXXX PA XXXX for {$2100.00} for what they said was a towing fee due to XXXX  XXXX for picking up a XXXX XXXX Motor Home that I no longer owned. I sold it in XXXX to a person who planned to live in it. I gave him the title and a bill of sale and had him to sign one for us that he had received the Bill of Sale and the motor home. We contacted both the Lien Enforcement and XXXX XXXX in XXXX XXXX, TX, explaining this, and neither would furnish us with any information. Lien Enforcement said they sent us a certified letter, which we never received. XXXX  stated they don't have a file on this matter and couldn't send us any paperwork or information, but that the debt is owed. 
Please help us. We are seniors in our XXXX and this is terribly upsetting. 
We have nothing showing that any of this really happened. We don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Block, Inc.
State: TX

Complaint narrative:
I have a new number. When I downloaded Cash App on my new phone to access my account it kept giving me an error message stating my info was incorrect. I do business using my cash app account, so this is completely an inconvenience and poor customer service. I tried reaching out to the company numerous times, emails, calling the number online in which your unable to speak with any representatives. It has been a complete nightmare. Not only do I have funds in my cash app account I also have provided my personal bank account information with a company that I can not even speak to. Please assist me in speaking with someone from this business. Once this issue is resolved, I will NEVER use Cash App again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Notice for Proof of Claim Account : MIDLAND CREDIT MANAGEMENT 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 XXXX days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I'm writing about NEWREZ MORTGAGE COMPANY and their continued lack of satisfactory service on my account. 

They purchased my loan from XXXX, which was my preferred provider and I've been lied to and treated horribly since. I've paid my mortgage on time EVERY MONTH with no missed payments and have inquired about PMI in RESPONSE to a letter they sent me regarding the matter, for them to tell me that my FHA loan as a LIFETIME surcharge attached to it, and that it is NOT PMI, which is incorrect. I PAY PMI EVERY MONTH ON THIS LOAN. PMI drops after one has XXXX percent equity in their home. I contacted them over ayear ago about this via phone at which time their agent told me this, which I already knew. I was then just under the XXXX percent requirement. 

My home qualifies for the PMI release. They even sent me a letter telling me to call them to get it dropped. When I sent them an email via their web submission, I got the usual run around from them via email that my FHA loan has NO PMI but I have the surcharge FOR LIFE. I have never in my life heard this, and this is NOT what I signed. Further, they charge me a MONTHLY PMI on my mortgage statement EVERY MONTH, yet they tell me I have some other arrangement. 

This fraudulent company has a SLEW of complaints all over the internet about fraudulent practices to the point where I don't understand how it is they are still in business. I would have never authorized this company servicing my loan and it's completely unfair they buy my loan and I am subject to FRAUD and LIES. 

You'd think in this climate, a mortage servicing company would give preferrential treatment to those customers not taking advantage of the current moritoriums, paying their mortgage on time, but this isn't what you get for being a good customer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I had investment information and I printed it out. Now the account is deleted and the money is gone. But I received XXXX on the XXXX and XXXX accounts. I have all the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
An unauthorized check drawn transaction is showing in my Chase checking account. 

Date : XX/XX/ Date posted to my account : XX/XX/ Amount : XXXX Company showing as : XXXX XXXX XXXX Customer service number on the check : XXXX XXXX XXXX It says " No signature needed - This check has been electronically autorized by voice or electronic verification by your depositor ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed XXXX times to no avail and have also frozen my credit so nothing else like this would happen to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a XXXX loan from Bank of America in XXXX of XXXX. The loan was for {$12000.00} I am now eligible to apply for loan forgiveness. However, when I access the loan forgiveness webpage on Bank of America, the maximum forgivable amount is {$11000.00} and can not be changed. I believe this amount to be incorrect. The correct amount should be XXXX XXXX of the loan or {$12000.00} I have contacted Bank of America multiple times regarding this issue and have had no response as of yet. It has been XXXX weeks since I initially contacted them regarding this.

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 monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX, I tried mail payments for the months of XXXX XXXX and XXXX and XX/XX/XXXX. I was forced to center in place with XXXX  restrictions and also had XXXX I would like these to be removed and have already asked the lender, receiving limited response. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting is reporting false information on XXXX accounts on my credit profile. The are reporting me XXXX days late XXXX  times in a row right after a XXXX day late payment on account listed XXXX XXXX XXXX. Now me, experian the cfpb and the FTC knows thats the credit reporting should go as XXXX c/o. 
Not XXXX c/o. That is in fact an error and need not only to be corrected but removed off my credit profile for incorrect information giving a false representation of my character because XXXX I was never more than XXXX days late XXXX time in XX/XX/XXXX  and thats the only time I was late for that account. 
Also Experian is reporting me late on XXXX XXXX XXXX XXXX account I was never late. Please make them follow the law because they are not.

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 2021-03-23 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: GA

Complaint narrative:
I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.

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 2021-03-23 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: VA

Complaint narrative:
Equifax shows that I have a collection from the XXXX XXXX. They do not have any details about the collection amount or resolution. This collection was fraudulent and was reported and removed from all three credit reporting bureaus. It never reappeared on my XXXX  or XXXX report however, it reappeared on my Equifax report a few years after it was removed. I disputed this with Equifax but they did not remove it. I dont know how I can provide proof of a negative, this collection never should have been there in the first place and was removed originally, if they want to put it on my credit report they need to prove that it belongs there. Equifax has been unable to prove anything, they do not even have a dollar amount for this collection but they still show it on my report. It needs to be removed completely, not listed as paid because thats not accurate either, the collection was never valid in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: GA

Complaint narrative:
I have attempted multiply times to dispute the inaccuracy of this account from account : XXXX XXXX XXXX. 
XXXX XXXX is reporting a past due balance on an account that is charged off. It also reporting different balances and dates across a three credit bureaus. I have reached to both XXXX XXXX and all three bureaus. No attempt at fixing the issue. I believe this account is being reported is in violation of the FCRA laws.

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 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
on XX/XX/XXXX I received a letter from Jefferson Capital Systems LLC stating that acct # XXXX XXXX Ref # XXXX Debt Description : XXXX ACCOUNT Amount of Debt {$61.00} needs to be paid & the options I have to settle this debt. 
I contacted XXXX at XXXX & was transferred to the collection department when I supplied the account # on the letter. They stated this was a fee for a transfer deposit totaling over {$2500.00} to this XXXX account from XXXX XXXX for some sort of custom knives in XX/XX/XXXX. She suggested that maybe I sell things like on XXXX, which is incorrect. I have never used XXXX to sell things. There is a charge of {$61.00} fee to receive the funds. I inquired what bank account this XXXX account was linked to as it is separate from the legitimate XXXX account that I actively use. She stated this account was never linked to a bank account & she asked me to verify my email address. I gave her my email address XXXX. She said that does not match the account but she would be unable to provide any more details regarding this account because it was sold to XXXX XXXX. I requested to close the account so it may not have further use & she stated that XXXX XXXX would assist me with that. If I want details & proof of the debt/transactions I have to contact XXXX XXXX. She gave me the # to contact them at XXXX. 
I contacted XXXX XXXX at the number provided XXXX per their instruction. XXXX XXXX required I give them my personal information which I did not feel comfortable doing just to talk to them regarding the debt. Then stated they do not have any details regarding the debt, nor can they close the account. They just know the balance & are seeking payment of the debt. They can not provide proof of the debt. The notice I received in the mail says I can request proof of debt from XXXX XXXX. He then stated he would be marking this as a disputed account & no further action would be taken until the investigations team could take a look at the account. I requested to speak to someone on investigations or anyone that could give me more information & he just reiterated that they do not have details regarding the debt & said this will be referred back to XXXX for payment & resolution. I should receive a letter from the Investigations team around 60-90 days from now detailing the outcome of the investigation that I apparently don't need to play a role in according to XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE
State: MD

Complaint narrative:
Charles Schwab & Co. 
Online Profile Request all accounts closed Identity Theft/Fraud XXXX XXXX XXXX XXXX XXXX Sent certified mail request ; unknown delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX Incorrect Numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Numbers : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from Great Lakes as well as contacted Great Lakes. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed 3-5 times to no avail and have also frozen my credit so nothing else like this would happen to me again.

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 2021-03-23 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: MD

Complaint narrative:
i have an incorrect inaccurate bankruptcy being reported on my credit report disputed it in the past Transunion came back said it was verified with the court house which is incorrect contacted the courthouse they assured me they did not and do not verify bankruptcy to third party companies and yet they claimed they did also sent them the letter from the court house and yet its still being reported also they are also reporting unauthorized inquires on my 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 explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I paid Wells Fargo payments to go directly towards principal and they are not applying the funds properly. 
I also paid my mortgage off and they put the moneys towards future interest. 
They are stick my money in escrow and putting towards future interest when I requested to pay my mortgage off in full.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
XX/XX/21 - I created an account with Gemini, a digital asset platform operated by and proprietary to Gemini Trust Company , LLC. 

XX/XX/21 - I deposited {$500.00} USD into my Gemini account via debit card. This was allowed to occur prior to Gemini identity verification process completion. 

XX/XX/21 - I purchased XXXXXXXX XXXX for a total of {$480.00} USD. This was also allowed to occur prior to Gemini identity verification process completion. 

Created customer service tickets regarding identity verification completion delays XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Received automated responders only. 

As of XX/XX/21 - The Gemini identity verification is still pending. I can not access my digital funds to withdraw or transfer.

Company response to consumer: Closed with explanation