vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My FATHER IN LAW informed me that a collection agency named Midland called him and they were trying to get a hold for me, this was a situations very embarrassing so I decided to contact this collector I requested to do not contact my father in law anymore and I updated my phone number and personal information, I made this for the obvious reason to stop the embarrassing with my father in law. 

This company continued to contacting my father in law, even when I requested to stop, it was at the point that my father in law asked them to stop calling him and gave them my phone number so they can reach me. 

One day I received a call form this company Midland Funding/Midland Credit Management, The representative informed me the company was considering legal action against me so I should start paying the debt, he pushed me so bad at the point that he phrase in the would continue contacting my father in law. With this two big threats the representative offered me to enroll in a payment plan so I said yes. I put {$100.00} dollars down and the payments of {$74.00} every month. 

After this and since I been impacted financially due to the COVID pandemic, I can not afford this payments anymore. I've calling this company for weeks to stop the payments, in every call the representatives said I have to reach " my account manager '' XXXX at XXXX ext XXXX but every time I call this number and extension I get transfer to a voicemail, I already left voice messages but any return call. I feel this is a tactic this company use to prevent the consumers stop making payments. Also I was informed about another bill that Midland Funding is collection something that I fee unfair since they never informed me about it. 

In one of the calls I recently made to Midland Funding, I was informed that I can not be suit due to the statute of limitations, something that contradicts the representative who called me since he told me the company was considering to file a lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Offices of Robert J. Colclough, III
State: NC

Complaint narrative:
I contacted XXXX XXXX on XX/XX/2020 was offered a settlement and paid {$140.00} to settle the Debt. I was advised I would receive a letter for the debt and it would be reported to the credit reporting agency. Neither has taken place, I spoke with Supervisor XXXX XXXX in XXXX and was again advised this would be taken care of I pulled my credit Report today and it is still being reported as though they were never paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC
State: WI

Complaint narrative:
I have tried to get my PMI removed from my loan because I'm under the 80 %. I was promised this when I was originally talking out my mortgage and at least numerous times during the process. On the account page when I log on it directly states this as well. In XX/XX/XXXX or XXXX I asked for it to be removed and to start the process. I was told it would come off on XX/XX/XXXX and I wouldn't have to pay for it in XXXX. I then called back to double check on XX/XX/XXXX and was told it was still being processed and would officially come off on XX/XX/XXXX. I spoke to someone on the phone and they also gave me an email address to contact as well because the company didn't do what they promised. So I also emailed on XX/XX/XXXX. I also replied to their email on the XX/XX/XXXX and was told to let it take more time. 

I called on XX/XX/XXXX because it was still not off like they promised on XX/XX/XXXX. It still isn't off and they are now saying it was never processed back in XXXX, or in XXXX and the XXXX is the 1st time it was. The problem with this company is that when you call you only talk to a customer care representative that reads off of a computer. They don't know the answers and lie about dates/information. I've learned that when you call you have to demand someone in leadership. These people can only chat each other but have no direct contact with the actual department you need to talk to, in our case the PMI department. I keep getting ticket numbers that are supposed to be an official action and have called and been told 2 separate times our case is " escalated '' but nothing happens. We keep being told their an offline department and there is no way to actually get in contact with them. That " they can only message them '' They are a subservice company which deals in deception. How can you NOT give me a contact number or email for a department that I need to contact?!!! They have repeatedly lied about dates of when it would go into effect when in reality NOTHING was even being done. Numerous " leadership '' people will look into it and call you back in 24-48 hours. Guess what they DON '' T. I have spent HOURS upon HOURS of being on the phone for nothing to be done. 

We had an issue with them dragging their feet in processing our recast of the loan and that took over 30 phone call to resolve, actually done but not on time. Consumers should NOT have to deal with this. This is unacceptable for a business to operate. I honestly don't trust that they will process the removal of PMI that has been promised to come off in XXXX but still hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello. 

My mom passed away in XXXX of XXXX. Her boyfriend ( who shared a joint account with my mom ) took funds out of my moms account at XXXX XXXX and I was issued a cashiers check in the amount of {$60000.00}. I deposited that check into my Chase account to pay for my mothers funeral. In XX/XX/XXXX, my Chase account was frozen ( or restricted, theyve used both terms ) because they found the cashiers check I received to be fraudulent. XXXX XXXX ended up issuing me another check later which was received and not flagged or anything. Since they had issued me the amount of {$60000.00} twice, they wanted {$60000.00} back from me. 

On XX/XX/XXXX, my Chase account showed a withdrawal of {$12000.00}. Through a series of phone calls I discovered this was money being paid back to XXXX XXXX for the {$60000.00} I owed them. XXXX XXXX then contacted me and I was told I still owed them {$47000.00}, the difference from the {$60000.00} check after the {$12000.00} had gone to them. I understood this. I was told once XXXX XXXX received these funds, they would contact Chase to let them know the restriction could be lifted and the balance in my checking account could be released back to me. 

I issued XXXX XXXX a check for the full amount owed ( {$47000.00} ) on XX/XX/XXXX. The representative Ive been speaking to at XXXX XXXX confirmed my check was received and processed on XX/XX/XXXX. Since then its been a series of back and forth calls, dead ends, and lack of explanation as to why I cant close my Chase account and receive the balance left in my checking account. XXXX XXXX told me they have no holds on my Chase account, that theyve marked the issue as resolved and that I need to talk to Chase. Chase tells me that my account is still restricted and that XXXX XXXX needs to contact them in order to resolve the issue. I dont know what else to do at this point. 

Please let me know what other information I can provide. I have {$9400.00} in my Chase account that I need issued back to me, and Im desperate to close this account so that I never have to deal with Chase bank again. I appreciate in advance your help with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE NOTICE ACCOUNTS THAT ARE NOT MINE AND SOME THAT ARE NOT LISTED PROPERLY SEE LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am getting responses from credit companies stating that the complaint isnt being submitted by me. I am submitting proper documentation to verify that it is me uploading these documents and filing this complaint. I am just trying to remove items once again that were negatively reporting and were on my report without my knowledge. They were removed from Transunion and XXXX and then somehow were put back onto my credit report. According to law 611 ( b ) ( ii ) it states if any information that has been deleted from a consumers file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion on writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

It has been well over 5 business days and I received NOTHING. These accounts aren't mine and they need to be removed again please.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
File an complaint on my credit card ac ount number XXXX my credit card been cutoff since the year of XXXX would like some one to look in to my credit card since day one with okay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I am a Penny Mac customer. I was in the process of refinancing my house. 
I was notified five hours before my refinance settlement, that my loan had been canceled for non-payment of my XX/XX/XXXX mortgage. I paid my mortgage. 
I paid my mortgage on XX/XX/XXXX. 
I called to find out what the confusion was. 
I was notified my mortgage was placed in suspense because of taxes and escrow increase. 

Almost a full month passed between my XX/XX/XXXX mortgage payment and my XX/XX/XXXX settlement date and I had not received any notification that my payment was placed in suspense and not applied to my account. 
No phone call, no email, no account notifications, no letters, no Robo call, nothing! Even when I logged into my account on the company website to sign the settlement disclosures. Nothing! No Notifications. 

The servicer provided no communication that my loan was not paid in full or that I was in jeopardy of my loan being canceled, even though I spoke or was in communication with my loan processor and/or loan officer, 2-3 times a week. Often speaking with them several times a day. I even received an email from my processor the night before settlement, confirming what I would need at settlement. 

As a customer refinancing with the same lender shouldnt I have received more than 5 hour notice that my refinance loan is being canceled because my mortgage payment wasnt applied to my account? 

I was failed on two fronts, by the service provider not communicating in a timely manner the status of my payment and by the refinance department who promised in there opening email to monitor the loans status through settlement. 

I have never missed a payment, please check my history. There is no reason, I would intentionally not make my full mortgage payment. 

I was told that the my loan officer and the Penny Mac team were there to make sure my loan processed smoothly. This event has shown a gaping hole where loans and customer experience can fall through and fail. I am sure this is not the experience the Penny Mac Team promised or intended for my Veteran family to have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-07 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-07 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: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Servatus Corporation
State: CA

Complaint narrative:
They call 8X a day from various phone numbers and various area codes. I told them to stop yet the calls keep coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
My name is XXXX XXXX and my email associated with my PayPal account is XXXX My PayPal account was limited for 180 days and after the 180 days I struggled to link my bank and card to withdraw my funds. I contacted a PayPal customer support agent by name XXXX which she assisted me to link my card which I was able to withdraw {$6000.00}. 

I still have funds more than {$4000.00} and PayPal has not allowed me to withdraw these funds. 

Whenever I want to withdraw my remaining funds, PayPal will say " Sorry we couldn't confirm it's you ''. 

I previously withdrew funds to same card and now I want to withdraw again and PayPal is saying they couldn't confirm it's me. 

I have contacted different PayPal customer representatives who told me to wait for 48hrs and I waited without any solution. 

It's more than few week and the issue is not resolved. I need my money to pay bills. 

PayPal limited my account for 189 days and they sent me email telling me my funds are eligible for withdrawal, but why is it that when I want to withdraw upon logging in they will tell me they couldn't confirm it's me. 

The supposed to send a code to my email or phone number to confirm but they have not and no one from PayPal has resolved my issue for weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: TX

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2021-01-07 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: TX

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CITIBANK, N.A.
State: IA

Complaint narrative:
Tickets purchased XX/XX/XXXX for concert with a performance date of XX/XX/XXXX in the amount of {$350.00}. The concert was canceled due to covid with a possible reschedule date of XX/XX/XXXX. Initial contact with Citibank to file dispute was XX/XX/XXXX. Dispute was submitted that day. Citibank contacted merchant on my behalf and responded on XX/XX/XXXX with the merchant refusal to refund. I submitted further information via email to Citibank XX/XX/XXXX to further pursue a refund. I also contacted the merchant, XXXX per Citibanks request on XX/XX/XXXX. I also attempted to call to use the merchants online chat services and phone. All attempts to communicate with XXXX were ignored. All information was sent again to Citibank on XX/XX/XXXX. Citibank again contacted the merchant and the dispute was closed on XX/XX/XXXX with the denial on refund from merchant.

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 2021-01-07 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: Experian Information Solutions Inc.

Complaint narrative:
My past two credit reports have come low. It says this is because my oldest account has been closed. But this is not true my oldest account is with XXXX with whom I also have a credit card and have been regular in its payments.

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 2021-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! 
I demand the following accounts be verified or removed immediately.

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