vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MA

Complaint narrative:
Hello n how r u? Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Again, Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: LA

Complaint narrative:
Experian did not investigate my complaint and closed the case

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 2021-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America reported late payment on my account however their customer service teams investigated issue and acknowledged that it was an error on their end. Bank of America promised to fix the issue last month ( XX/XX/2021 ) and yet in XX/XX/2021, they reported to credit agencies incorrectly.

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 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc.
State: PA

Complaint narrative:
Capital Plus Financial has kept hundreds of people 's PPP loans that were already approved by the SBA. Most applied for PPP through XXXX XXXX or XXXX. The XXXX  is currently investigating and has suspended them over the deluge of complaints. 

Same story all over the web : borrowers get SBA approved ( with loan numbers ) and then they are ghosted by assigned lender Capital Plus Financial. Some have been approved for two months already and haven't even received a promissory note. Others have signed their PNs but never received their disbursements.

Capital Plus is just holding onto the money. That's a LOT of taxpayer money. 

XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Account number XXXX {$1600.00} HIPAA VIOLATION XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - received another letter from collection agency, including an account summary, listing visit details ( HIPAA violation ) XX/XX/XXXX - sent letter stating HIPAA violation and requested that this debt is removed from my credit report. 
XX/XX/XXXX - debts were updated on my XXXX report Account number XXXX {$170.00} DID NOT VALIDATE DEBT XX/XX/XXXX - received collection letter, including a statement from the hospital XX/XX/XXXX - sent a validation letter to collection agency XX/XX/XXXX - debts were updated on my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
My complaint is against my current mortgage lender, Caliber Home Loans. To start, I've been in the mortgage industry for almost 20yrs and I am shocked and dumbfounded by the deception of this company and the constant harassment I've received and I've kept documentation for proof. First off, the prospect of removing my Mortgage Insurance with this company seems impossible. I have way more than 20 % equity in the home and my MI is eligible to be released, but when I've called ( after receiving refi offers from Caliber ) they say I am not eligible without giving a reason. They also refer to my escrow shortage ( I currently escrow with Caliber ) as being delinquent which is not true. When I thought I was ready to drop my MI, they took my payment from XXXX to {$1900.00} to account for this shortage which is a ridiculous increase and forced me into my next situation. 

I applied for the Safe act forbearance in XXXX only to be approved immediately on XX/XX/XXXX, then I was sent a letter dated XX/XX/XXXX from Caliber saying it was denied and there are better options for me? How is this the case? When the federal govt decided to offer this great assistance, was it determined the lender can deny it ( I have a fha loan ) and tell me I should modify loan or sell? I am constantly harassed by Caliber with phone calls to the point I had to block them. I have record of a call everyday going back over 60 days. I have advised them many times I use this phone for call but that only seemed to intensity the call.

Again, I've been in this industry for a long time spanning from XXXX, XXXX  XXXX XXXX and now XXXX XXXX  and I have NEVER EVER, seen this type of practices. I have consulted a real estate attorney in this matter as well but I am hoping and praying the correct action is taken and this company is investigated because they are taking advantage of people in times when people need help. It's wrong. If needed my Loan # : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a student loan in 2008 with Salle Mae. I am dealing with Navient currently and am trying to understand why I have made over 90 payments and my balance is more than when I started! I understand that I have an 8 % interest rate, however, I also understand that I have other loans that have similar interest rates and the balances always go down.

What is happening here? Also, I am make XXXX payments monthly so something seems illegal.

I can't get any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris claimed to have sent me {$200.00} in error due to a promotional promise. I opened up my account and was under the impression I would be getting {$200.00}. But when they did deposit it they claimed it was an error. Now they are charging me {$35.00} for overdraft fees as I STARTED TO SPEND THE MONEY THEY OWED ME. They also have my account negative {$50000.00}. My account should never be negative {$50000.00}. This is ridiculous. BMO Harris also sent out a {$50000.00} check without my permission to XXXX XXXX. They did not provide me with any tracking numbers or proof that they sent out this check other than their word. Their word is not good enough as they already stepped over their boundaries with my account. Now XXXX  XXXX is claiming they don't have the check and has not received it. BMO Harris being careless with my funds and trying to make me pay unnecessary fees behind it. I opened up my account during a promotion. If I was not guaranteed that money they should have never put it in my account. I spent most of the funds and am now negative in my account due to their error. And they have the nerve to charge me a fee as if they didnt already put me through enough. I have XXXX and XXXX  behind this. BMO Harris should have never made me feel like a criminal and tell my that my PO called up there. I record my calls. Their comments towards me caused me to flip out and get admitted into a hospital.

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 2021-05-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date of the transaction : XX/XX/2021 Transcation amount : {$1200.00} What happened : I paid someone through XXXX XXXX  using my Bank of America debit card for the purchase of a guitar, which never arrived and it turned out the seller was a scammer. I'm not able to reach him after I made the payment, and the seller 's XXXX  account was deleted after the transaction. 

I filed a claim to dispute this transaction with Bank of America and they denied saying it's XXXX 's responsibility to help with the chargeback. However, I did contact XXXX before I filed the dispute and they asked me to contact BOA and think I would be able to get my money back.

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 2021-05-26 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I was taken advantage of by Credit Acceptance. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate Credit Acceptance.

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 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: CA

Complaint narrative:
OnXX/XX/2021, I ask for the Mortgage loan interest rate since I prepare for the new home loan the loan broker didn't get my consent then pull my hard inquiries and it makes my credit score immediately down for points. I contacted with the loan agent, and she told me that she just run the soft credit report and also it will not effective for my hard credit, but in fact, I got the notice from my bank and it said someone run for the hard inquiries credit repot and my credit score was down in few points. I would want to complain for this loan broker issue, I didn't give them authorization to pull my hard inquiries credit and I didn't sign any paper work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
NEW RES- SHELL POINT MTG IS ERRONEOUSLY REPORTING LATE PAYMENTS AND PAST DUE BALANCE ON MY CREDIT REPORT FOR THE LOAN THAT WAS PAID OFF AND TRANSFERRED TO ANOTHER SERVICER BY THEM BACK IN XXXX OF 2020 ... .I always made my payments on time, see attached proof of payments made in XX/XX/XXXX checks even and XXXX when they stated they transferred my mortgage to the new servicer whom I also paid in XXXX. HOWEVER, Shell point FAILED to post my payments correctly on my credit report even though they deducted them from my account, and they failed to post the balance to {$0.00} even though they received full payment from the new servicer of the mortgage note .... this has been damaging to my credit for 8 months now ... My numerous attempts to resolve this issue with the Morgage company went ignored only causing them " confirm the accuracy of this account '' to the credit bureaus that went on to lower my credit rating further with each bureau .... 
this is unacceptable and my consumer rights have been violated greatly ... 
https : XXXX/www.consumerfinance.gov/rules-policy/regulations/1024/33/ # a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have paid my mortgage on time since I purchased my home in XX/XX/XXXX. In XXXX I switched homeowners and was given a refund check for approximately XXXX from insurance co. I then called Lakeview Loan servicing insurance dept to find out how to get the refund check to them. I submitted check as directed. I continued to pay my mortgage and in XXXX XX/XX/XXXX received a statement that I was past due with a late fee. I had paid my mortgage on time for XXXX as usual. I attempted to call and was sent to automated system with no way to speak to a live representative. I continued to XXXX numbers and after several attempts and hours on hold I got someone in the insurance dept. the person told me they had not allocated the check that I submitted properly and then we Deere disconnected. I tried tirelessly to contact them waiting on hold for several hours without success. I then received a foreclosure packet. There was the same number that you can not get a live person. I emailed explaining I had paid my mortgage and even submitted photos of it coming out of my account with no reply. I finally called on XX/XX/XXXX and pushed the button that said refinance as I knew someone would promptly answer they connected me to the proper department. At this point I had 2 late fees and it has been reported to the credit bereau. The women I spoke to said she could see something was wrong and admitted my payments were there but there was nothing she could do but open a ticket she advised me to not pay XXXX! They are taking my money and giving me bad credit I am helpless and they are not willing to help!!!

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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
We are refinancing our loan. The new lender, XXXX XXXX XXXX XXXX, requested a payoff statement on XX/XX/XXXX, but the current mortgage company, XXXX XXXX XXXX PHH Mortgage Services, has delayed responding. Our mortgage is in good standing and I do not understand why there should be any delay in getting this payoff statement. 
Its practically impossible to get to speak to someone in person and when we do it is never the same person. No one seems to be moving this simple, straightforward request forward. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NJ

Complaint narrative:
I've had problems reconciling the escrow balance on a document CMG Mortgage sent me. I've spent over 20 hours on the phone trying to rectify the situation. I've been calling for 2 months, over 15 calls to the presidential complaint line XXXX and they have not ONCE called me back despite the fact that they claim a 48 hour response. The will NOT talk to me on the phone or allow me to send an attachment to them, that THEY mailed me to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Twice I have had my money stolen via XXXX by sending money to the wrong user the first time it was {$300.00} sent to someone with my old number, and recently I was scammed into sending {$970.00} by someone offering services, sending a fake address number and name and then when I showed up to the location the business did not exist and there was no one to make contact with. In both situations I asked my bank and XXXX to refund the transactions and they refused because the money was already transferred to the recipients bank. Only stating that I would have to take it up with the recipient. And I am unable to contact the recipient because they number they gave me they no longer respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: MA

Complaint narrative:
Hi, and how are? Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items.

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account. 

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.

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 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was taken advantage of by XXXX XXXX. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate 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 2021-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation